A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".
Sponsor
Full profile: /officials/S001184
Source: Congress.gov · FEC
Cosponsors (16)
Members who have signed on to support this bill since introduction. Source: Congress.gov.
- Bernie Moreno (R-OH)Original· 2025-02-13
- Bill Hagerty (R-TN)Original· 2025-02-13
- Cynthia M. Lummis (R-WY)Original· 2025-02-13
- James E. Risch (R-ID)Original· 2025-02-13
- Jerry Moran (R-KS)Original· 2025-02-13
- John Boozman (R-AR)Original· 2025-02-13
- Katie Boyd Britt (R-AL)Original· 2025-02-13
- Kevin Cramer (R-ND)Original· 2025-02-13
- Mike Crapo (R-ID)Original· 2025-02-13
- Mike Rounds (R-SD)Original· 2025-02-13
- Pete Ricketts (R-NE)Original· 2025-02-13
- Roger F. Wicker (R-MS)Original· 2025-02-13
- Thom Tillis (R-NC)Original· 2025-02-13
- Mike Lee (R-UT)· 2025-02-19
- Steve Daines (R-MT)· 2025-03-04
- John Thune (R-SD)· 2025-03-12
Latest Action
The most recent step in the bill's legislative path. Committee Activity below shows referrals and reports; the full action-by-action history including floor proceedings lives at Congress.gov →
Committee Activity
Currently in
- Senate Committee on Banking, Housing, and Urban AffairsDischarged From · 2025-03-26
Previously
- Senate Committee on Banking, Housing, and Urban AffairsReferred To · 2025-02-13
Plain-English Summary
This joint resolution nullifies the final rule issued by the Consumer Financial Protection Bureau titled Overdraft Lending: Very Large Financial Institutions and published on December 30, 2024. The rule revises provisions regarding charges for insufficient funds in a customer’s bank account (i.e., overdrafts) at very large financial institutions. Under the rule, these institutions must (1) cap overdraft charges at $5; (2) with justification, cap charges at a higher amount; or (3) handle overdrafts as credit and comply with applicable Truth in Lending Act disclosure requirements.
Plain-English rewrite of the Congressional Research Service summary published on Congress.gov. Cached and reviewed.
Affected Industries
Industries and interest groups with a stake in how this bill is resolved. Compare with each member's outside-money backers on their finance page.
Why this matters: Look up any member who voted on this bill and check their finance page — do the industries listed above match the groups funding their campaigns? That's the kind of connection this tool is built to help you find.
How Congress Voted
Roll Call #91
PassedParty-Line Vote2025-04-08 · HouseOn Ordering the Previous Question
Providing for consideration of the joint resolutions S.J. Res. 18 and S.J. Res. 28; providing for consideration of the bills H.R. 1526 and H.R. 22; and for other purposes
YES voters received 95.1x more from Finance & Banking than NO voters. 828 YES voters had no recorded industry money.
Source: FEC filings. Correlation between donations and votes does not prove causation. Members receive money from many industries; these figures show only industries affected by this bill.
Top Industry-Funded “Yes” Voters (5)
Top Industry-Funded “No” Voters (1)
Broke With Party (12)
Committee Members Who Voted (1672)
Full Vote Breakdown (428 members)
Not Voting / Present (9)
Roll Call #92
PassedParty-Line Vote2025-04-08 · HouseOn Agreeing to the Resolution
Providing for consideration of the joint resolutions S.J. Res. 18 and S.J. Res. 28; providing for consideration of the bills H.R. 1526 and H.R. 22; and for other purposes
YES voters received 95.1x more from Finance & Banking than NO voters. 828 YES voters had no recorded industry money.
Source: FEC filings. Correlation between donations and votes does not prove causation. Members receive money from many industries; these figures show only industries affected by this bill.
Top Industry-Funded “Yes” Voters (5)
Top Industry-Funded “No” Voters (1)
Broke With Party (12)
Committee Members Who Voted (1672)
Full Vote Breakdown (428 members)
Not Voting / Present (9)
Roll Call #86
PassedParty-Line Vote2025-04-01 · HouseOn Ordering the Previous Question
Providing for consideration of the joint resolutions S.J.Res. 18 and S.J.Res 28; providing for consideration of the bills H.R. 1526 and H.R. 22; and for other purposes
YES voters received 95.1x more from Finance & Banking than NO voters. 828 YES voters had no recorded industry money.
Source: FEC filings. Correlation between donations and votes does not prove causation. Members receive money from many industries; these figures show only industries affected by this bill.
Top Industry-Funded “Yes” Voters (5)
Top Industry-Funded “No” Voters (1)
Broke With Party (12)
Committee Members Who Voted (1672)
Full Vote Breakdown (426 members)
Not Voting / Present (3)
Roll Call #87
FailedParty-Line Vote2025-04-01 · HouseOn Agreeing to the Resolution
Providing for consideration of the joint resolutions S.J.Res. 18 and S.J.Res 28; providing for consideration of the bills H.R. 1526 and H.R. 22; and for other purposes
YES voters received 95.1x more from Finance & Banking than NO voters. 828 YES voters had no recorded industry money.
Source: FEC filings. Correlation between donations and votes does not prove causation. Members receive money from many industries; these figures show only industries affected by this bill.
Top Industry-Funded “Yes” Voters (5)
Top Industry-Funded “No” Voters (1)
Broke With Party (12)
Committee Members Who Voted (1672)
Full Vote Breakdown (426 members)
Not Voting / Present (3)
Who Funded the Votes?
Campaign-finance totals by industry, sourced from FEC filings, joined to vote positions from Congress.gov.
Who Funded the Votes?
Total campaign dollars received by members voting Yes vs No, grouped by industry sector.
Subjects
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] [S.J. Res. 18 Enrolled Bill (ENR)] S.J.Res.18 One Hundred Nineteenth Congress of the United States of America AT THE FIRST SESSION Begun and held at the City of Washington on Friday, the third day of January, two thousand and twenty five Joint Resolution Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to ``Overdraft Lending: Very Large Financial Institutions''. Resolved by the Senate and House of Representatives of the United States of America in Congress assembled, That Congress disapproves the final rule submitted by the Bureau of Consumer Financial Protection relating to ``Overdraft Lending: Very Large Financial Institutions'' (89 Fed. Reg. 106768 (December 30, 2024)), and such rule shall have no force or effect. Speaker of the House of Representatives. Vice President of the United States and President of the Senate.
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