II 115th CONGRESS 2d Session S. 3734 IN THE SENATE OF THE UNITED STATES December 10, 2018 Mr. Jones (for himself, Mr. Cotton , and Mr. Merkley ) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs A BILL To amend the Truth in Lending Act to prohibit the distribution of any check or other negotiable instrument as part of a solicitation by a creditor for an extension of credit, to limit the liability of consumers in conjunction with such solicitations, and for other purposes.