II 116th CONGRESS 2d Session S. 3502 IN THE SENATE OF THE UNITED STATES March 16, 2020 Mr. Cramer (for himself, Mr. Cotton , Mr. Tillis , and Mr. Moran ) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs A BILL To delay the implementation date of the current expected credit losses methodology for estimating allowances for credit losses, and for other purposes.