I think it is important to recognize the good work that is being done by elected Democratic officials. Below is a partial list of anti-usury legislation being offered by Democratic Senators. It is incomplete and doesn’t include anything from the House side. Readers are encouraged to make additions.
S.511 : A bill to provide student borrowers with basic rights, including the right to timely information about their loans and the right to make fair and reasonable loan payments, and for other purposes.

Sponsor: Sen Clinton, Hillary Rodham [NY] (introduced 2/7/2007)      (Cosponsors: Sen Boxer, Sen Kerry, Sen Lieberman, Sen Mikulski)

Committees: Senate Health, Education, Labor, and Pensions
Latest Major Action: 2/7/2007 Referred to Senate committee. Status: Read twice and referred to the Committee on Health, Education, Labor, and Pensions.

 S.335 : A bill to prohibit the Internal Revenue Service from using private debt collection companies, and for other purposes.

Sponsor: Sen Dorgan, Byron L. [ND] (introduced 1/18/2007)      (Cosponsors: Sen Akaka, Sen Boxer, Sen Brown, Sen Cantwell, Sen Cardin, Sen Feinstein, Sen Inouye, Sen Kennedy, Sen Kerry, Sen Lautenberg, Sen Leahy, Sen Levin, Sen Lieberman, Sen Menendez, Sen Mikulski, Sen Murray, Sen Reed, Sen Rockefeller)

Committees: Senate Finance
Latest Major Action: 1/18/2007 Referred to Senate committee. Status: Read twice and referred to the Committee on Finance.

S.486 : A bill to establish requirements for lenders and institutions of higher education in order to protect students and other borrowers receiving educational loans.

Sponsor: Sen Kennedy, Edward M. [MA] (introduced 2/1/2007)      (Cosponsors: Sen Brown, Sen Clinton, Sen Durbin, Sen Feingold, Sen Harkin, Sen Kerry, Sen Obama, Sen Rockefeller,Sen Schumer, Sen Snowe)

Committees: Senate Health, Education, Labor, and Pensions
Latest Major Action: 2/1/2007 Referred to Senate committee. Status: Read twice and referred to the Committee on Health, Education, Labor, and Pensions.

S.572 : A bill to ensure that Federal student loans are delivered as efficiently as possible in order to provide more grant aid to students.

Sponsor: Sen Kennedy, Edward M. [MA] (introduced 2/13/2007)      (Cosponsors: Sen Clinton, Sen Durbin, Sen Obama, Sen Smith)

Committees: Senate Health, Education, Labor, and Pensions
Latest Major Action: 2/13/2007 Referred to Senate committee. Status: Read twice and referred to the Committee on Health, Education, Labor, and Pensions.

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