diff --git a/include/xrpl/ledger/View.h b/include/xrpl/ledger/View.h
index 5e6fb8f5ce..3bad22c321 100644
--- a/include/xrpl/ledger/View.h
+++ b/include/xrpl/ledger/View.h
@@ -352,7 +352,7 @@ accountHolds(
 //
 // <-- saAmount: amount of currency held by account. May be negative.
 [[nodiscard]] STAmount
-accountCanSend(
+accountSpendable(
     ReadView const& view,
     AccountID const& account,
     Currency const& currency,
@@ -361,7 +361,7 @@ accountCanSend(
     beast::Journal j);
 
 [[nodiscard]] STAmount
-accountCanSend(
+accountSpendable(
     ReadView const& view,
     AccountID const& account,
     Issue const& issue,
@@ -369,7 +369,7 @@ accountCanSend(
     beast::Journal j);
 
 [[nodiscard]] STAmount
-accountCanSend(
+accountSpendable(
     ReadView const& view,
     AccountID const& account,
     MPTIssue const& mptIssue,
@@ -378,7 +378,7 @@ accountCanSend(
     beast::Journal j);
 
 [[nodiscard]] STAmount
-accountCanSend(
+accountSpendable(
     ReadView const& view,
     AccountID const& account,
     Asset const& asset,
diff --git a/src/libxrpl/ledger/View.cpp b/src/libxrpl/ledger/View.cpp
index 28f6bb89be..dc154f13e6 100644
--- a/src/libxrpl/ledger/View.cpp
+++ b/src/libxrpl/ledger/View.cpp
@@ -564,7 +564,7 @@ accountHolds(
 }
 
 STAmount
-accountCanSend(
+accountSpendable(
     ReadView const& view,
     AccountID const& account,
     Currency const& currency,
@@ -589,19 +589,19 @@ accountCanSend(
 }
 
 STAmount
-accountCanSend(
+accountSpendable(
     ReadView const& view,
     AccountID const& account,
     Issue const& issue,
     FreezeHandling zeroIfFrozen,
     beast::Journal j)
 {
-    return accountCanSend(
+    return accountSpendable(
         view, account, issue.currency, issue.account, zeroIfFrozen, j);
 }
 
 STAmount
-accountCanSend(
+accountSpendable(
     ReadView const& view,
     AccountID const& account,
     MPTIssue const& mptIssue,
@@ -631,7 +631,7 @@ accountCanSend(
 }
 
 [[nodiscard]] STAmount
-accountCanSend(
+accountSpendable(
     ReadView const& view,
     AccountID const& account,
     Asset const& asset,
@@ -645,9 +645,9 @@ accountCanSend(
                               std::remove_cvref_t<decltype(value)>,
                               Issue>)
             {
-                return accountCanSend(view, account, value, zeroIfFrozen, j);
+                return accountSpendable(view, account, value, zeroIfFrozen, j);
             }
-            return accountCanSend(
+            return accountSpendable(
                 view, account, value, zeroIfFrozen, zeroIfUnauthorized, j);
         },
         asset.value());
@@ -2064,7 +2064,7 @@ rippleSendIOU(
     beast::Journal j,
     WaiveTransferFee waiveFee)
 {
-    auto const issuer = saAmount.getIssuer();
+    auto const& issuer = saAmount.getIssuer();
 
     XRPL_ASSERT(
         !isXRP(uSenderID) && !isXRP(uReceiverID),
@@ -2119,7 +2119,7 @@ rippleSendMultiIOU(
     beast::Journal j,
     WaiveTransferFee waiveFee)
 {
-    auto const issuer = issue.getIssuer();
+    auto const& issuer = issue.getIssuer();
 
     XRPL_ASSERT(
         !isXRP(senderID), "ripple::rippleSendMultiIOU : sender is not XRP");
@@ -2459,7 +2459,7 @@ rippleCreditMPT(
 {
     // Do not check MPT authorization here - it must have been checked earlier
     auto const mptID = keylet::mptIssuance(saAmount.get<MPTIssue>().getMptID());
-    auto const issuer = saAmount.getIssuer();
+    auto const& issuer = saAmount.getIssuer();
     auto sleIssuance = view.peek(mptID);
     if (!sleIssuance)
         return tecOBJECT_NOT_FOUND;
@@ -2526,7 +2526,7 @@ rippleSendMPT(
         "ripple::rippleSendMPT : sender is not receiver");
 
     // Safe to get MPT since rippleSendMPT is only called by accountSendMPT
-    auto const issuer = saAmount.getIssuer();
+    auto const& issuer = saAmount.getIssuer();
 
     auto const sle =
         view.read(keylet::mptIssuance(saAmount.get<MPTIssue>().getMptID()));
@@ -2589,7 +2589,7 @@ rippleSendMultiMPT(
 {
     // Safe to get MPT since rippleSendMultiMPT is only called by
     // accountSendMultiMPT
-    auto const issuer = mptIssue.getIssuer();
+    auto const& issuer = mptIssue.getIssuer();
 
     auto const sle = view.read(keylet::mptIssuance(mptIssue.getMptID()));
     if (!sle)
@@ -3287,7 +3287,7 @@ canTransfer(
     if (issue.native())
         return tesSUCCESS;
 
-    auto const issuerId = issue.getIssuer();
+    auto const& issuerId = issue.getIssuer();
     if (issuerId == from || issuerId == to)
         return tesSUCCESS;
     auto const sleIssuer = view.read(keylet::account(issuerId));
diff --git a/src/xrpld/app/tx/detail/LoanPay.cpp b/src/xrpld/app/tx/detail/LoanPay.cpp
index 11f23848ab..0b7a3ed0dd 100644
--- a/src/xrpld/app/tx/detail/LoanPay.cpp
+++ b/src/xrpld/app/tx/detail/LoanPay.cpp
@@ -212,7 +212,7 @@ LoanPay::preclaim(PreclaimContext const& ctx)
     // Do not support "partial payments" - if the transaction says to pay X,
     // then the account must have X available, even if the loan payment takes
     // less.
-    if (auto const balance = accountCanSend(
+    if (auto const balance = accountSpendable(
             ctx.view,
             account,
             asset,
@@ -470,11 +470,11 @@ LoanPay::doApply()
     }
 
 #if !NDEBUG
-    auto const accountBalanceBefore = accountCanSend(
+    auto const accountBalanceBefore = accountSpendable(
         view, account_, asset, fhIGNORE_FREEZE, ahIGNORE_AUTH, j_);
     auto const vaultBalanceBefore = account_ == vaultPseudoAccount
         ? STAmount{asset, 0}
-        : accountCanSend(
+        : accountSpendable(
               view,
               vaultPseudoAccount,
               asset,
@@ -483,7 +483,7 @@ LoanPay::doApply()
               j_);
     auto const brokerBalanceBefore = account_ == brokerPayee
         ? STAmount{asset, 0}
-        : accountCanSend(
+        : accountSpendable(
               view, brokerPayee, asset, fhIGNORE_FREEZE, ahIGNORE_AUTH, j_);
 #endif
 
@@ -539,11 +539,11 @@ LoanPay::doApply()
         "vault pseudo balance agrees after");
 
 #if !NDEBUG
-    auto const accountBalanceAfter = accountCanSend(
+    auto const accountBalanceAfter = accountSpendable(
         view, account_, asset, fhIGNORE_FREEZE, ahIGNORE_AUTH, j_);
     auto const vaultBalanceAfter = account_ == vaultPseudoAccount
         ? STAmount{asset, 0}
-        : accountCanSend(
+        : accountSpendable(
               view,
               vaultPseudoAccount,
               asset,
@@ -552,7 +552,7 @@ LoanPay::doApply()
               j_);
     auto const brokerBalanceAfter = account_ == brokerPayee
         ? STAmount{asset, 0}
-        : accountCanSend(
+        : accountSpendable(
               view, brokerPayee, asset, fhIGNORE_FREEZE, ahIGNORE_AUTH, j_);
 
     XRPL_ASSERT_PARTS(