HJRES169Referred to Committee

Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-In Practices".

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Introduced
In Committee
3
Passed One Chamber
4
Passed Both
5
Signed into Law
119th
Congress
2026-04-30
Introduced
0
Cosponsors
HJRES
ⓘ
Type

Sponsor

Nydia M. Velázquez
Nydia M. Velázquez
Democrat · NY · Representative
Votes with party: 96.9% (585 recorded votes)

Full profile: /officials/V000081

Source: Congress.gov · FEC

Cosponsors (0)

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No cosponsors on record. Bills can pass without cosponsors — this often means the sponsor introduced the bill alone, either because it's a messaging bill, a chairman's mark, or simply early in the legislative cycle.

Latest Action

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Referred to the House Committee on Financial Services.

2026-04-30

Source: Congress.gov

Committee Activity

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Plain-English Summary

Congress would reject a decision by the Consumer Financial Protection Bureau to withdraw its guidance against banks using deceptive practices to get customers to opt into overdraft fees. If approved, this would force the agency to keep its rules in place that protect consumers from being tricked into paying overdraft charges they didn't knowingly agree to.

AI-assisted summary generated from the official bill metadata (title, subjects, actions) sourced from Congress.gov. Cached and reviewed. Always verify against the official text linked below.

Subjects

Finance and Financial Sector

Full Bill Text

Verbatim text published on Congress.gov via GovInfo. Use Cmd+F / Ctrl+F to search within this excerpt.

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.J. Res. 169 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. J. RES. 169 Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to ``Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-In Practices''. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES April 30, 2026 Ms. Velazquez submitted the following joint resolution; which was referred to the Committee on Financial Services _______________________________________________________________________ JOINT RESOLUTION Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to ``Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-In Practices''. Resolved by the Senate and House of Representatives of the United States of America in Congress assembled, That Congress disapproves the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to ``Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-In Practices (89 Fed. Reg. 80075 (October 2, 2024))'' (90 Fed. Reg. 20084 (May 12, 2025)), and such rule shall have no force or effect. <all>
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