Tenure
Vice President Joe Biden swore Warren in as a senator on January 3, 2013.
In December 2012, Warren had been assigned a seat on the Senate Banking Committee, which oversees the implementation of Dodd–Frank and other regulation of the banking industry. At Warren's first Banking Committee hearing in February 2013, she pressed several banking regulators to say when they had last taken a Wall Street bank to trial and said, "I'm really concerned that 'too big to fail' has become 'too big for trial'." Videos of Warren's questioning amassed more than one million views in a matter of days. At a March Banking Committee hearing, Warren asked Treasury Department officials why criminal charges were not brought against HSBC for its money laundering practices. Warren compared money laundering to drug possession, saying: "If you're caught with an ounce of cocaine, the chances are good you're going to go to jail ... But evidently, if you launder nearly a billion dollars for drug cartels and violate our international sanctions, your company pays a fine and you go home and sleep in your own bed at night."
In May 2013, Warren sent letters to the Justice Department, the Securities and Exchange Commission, and the Federal Reserve questioning their decisions that settling would be more fruitful than going to court. Also in May, saying that students should get "the same great deal that banks get", Warren introduced the Bank on Student Loans Fairness Act, which would allow students to take out government education loans at the same rate that banks pay to borrow from the federal government, 0.75%. Independent senator Bernie Sanders endorsed her bill, saying: "The only thing wrong with this bill is that [she] thought of it and I didn't". By the following year, Warren's attempts to pass any student loan reform were blocked.
During the 2014 election cycle, Warren was a top Democratic fundraiser. After the election, Warren was appointed to become the first-ever Strategic Adviser of the Democratic Policy and Communications Committee, a position created for her. The appointment added to speculation that Warren would run for president in 2016.
In early 2015, President Obama urged Congress to approve the Trans-Pacific Partnership, a proposed free trade agreement between the United States and 11 Asian and South American countries. Warren criticized the TPP, arguing that the dispute resolution mechanism in the agreement and labor protections for American workers therein were insufficient; her objections were in turn criticized by Obama.
Saying "despite the progress we've made since 2008, the biggest banks continue to threaten our economy", in July 2015 Warren, John McCain, Maria Cantwell, and Angus King reintroduced the 21st Century Glass–Steagall Act, a modern version of the Banking Act of 1933. The legislation was intended to reduce the American taxpayer's risk in the financial system and the likelihood of future financial crises.
In a September 20, 2016, hearing, Warren called on Wells Fargo CEO John Stumpf to resign, adding that he should be "criminally investigated" over Wells Fargo's opening of two million checking and credit-card accounts without the customers' consent.
In December 2016, Warren gained a seat on the Senate Armed Services Committee, which The Boston Globe called "a high-profile perch on one of the chamber's most powerful committees" that would "fuel speculation about a possible 2020 bid for president".
During the debate on Senator Jeff Sessions's nomination for United States attorney general in February 2017, Warren quoted a letter Coretta Scott King had written Senator Strom Thurmond in 1986 when Sessions was nominated for a federal judgeship. King wrote, "Mr. Sessions has used the awesome power of his office to chill the free exercise of the vote by black citizens in the district he now seeks to serve as a federal judge. This simply cannot be allowed to happen." Senate Republicans voted that by reading the letter from King, Warren had violated Senate Rule 19, which prohibits impugning another senator's character. This prohibited Warren from further participating in the debate on Sessions's nomination, and Warren instead read King's letter while streaming live online. In rebuking Warren, Senate Majority Leader Mitch McConnell said on the Senate floor, "She was warned. She was given an explanation. Nevertheless, she persisted." McConnell's language became a slogan for Warren and others.
On October 3, 2017, during Wells Fargo chief executive Timothy J. Sloan's appearance before the Senate Banking Committee, Warren called on him to resign, saying, "At best you were incompetent, at worst you were complicit."
On July 17, 2019, Warren and Representative Al Lawson introduced legislation that would make low-income college students eligible for benefits under the Supplemental Nutrition Assistance Program (SNAP) according to the College Student Hunger Act of 2019.
In November 2020, Warren was named a candidate for Secretary of the Treasury in the Biden Administration.
Warren was at the Capitol to participate in the 2021 United States Electoral College vote count when Trump supporters attacked the Capitol. She called it an "attempted coup and act of insurrection egged on by a corrupt president to overthrow our democracy", and the perpetrators "domestic terrorists." The day after the attack, Warren joined the entire Massachusetts Congressional delegation to call for Trump's immediate removal from office through the invocation of the Twenty-fifth Amendment to the United States Constitution or impeachment.
Throughout 2024 and 2025, Warren supported the IRS Direct File effort.
On August 1, 2025, Warren and Sen. John Kennedy introduced the Build Now Act, a bill that would incentivize local governments to build more homes by requiring the Department of Housing and Urban Development to remove 10 percent of Community Development Block Grant funding from cities that fail to improve their rate of homebuilding above the national median and reallocate that money to cities that exceeded the national median rate of home building. The Build Now Act became part of the 21st Century ROAD to Housing Act, which became law on July 11, 2026. Warren, as ranking member of the Senate Banking Committee, was the lead negotiator of the legislative package.
Warren was rated among the top 10 most popular senators in an April 2024 poll by Morning Consult.
Warren is a member of the Fight Club in the Senate.
