II 116th CONGRESS 1st Session S. 1230 IN THE SENATE OF THE UNITED STATES April 29, 2019 Mr. Durbin (for himself, Mr. Merkley , Mr. Blumenthal , and Mr. Whitehouse ) 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 establish a national usury rate for consumer credit transactions.