3.0.0
5689
2025-11-13T09:05:35Z
2025-11-13T09:05:35Z
House
H
HR
2025-10-03
119
https://www.congress.gov/bill/119th-congress/house-bill/5689
[Congressional Record Volume 171, Number 163 (Friday, October 3, 2025)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. SUBRAMANYAM:H.R. 5689.Congress has the power to enact this legislation pursuantto the following:Article 1 Section 8[Page H4517]
- hsbu00
Budget Committee
House
Standing
  - Referred To
2025-10-03T19:31:00Z
- hsba00
Financial Services Committee
House
Standing
  - Referred To
2025-10-03T19:30:50Z

- Shutdown Guidance for Financial Institutions Act
119
2995
S
2025-10-09
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
  - Related bill
CRS
- 2025-10-03
Referred to the Committee on Financial Services, and in addition to the Committee on the Budget, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
IntroReferral
H11100
2
House floor actions
  - hsbu00
Budget Committee
- 2025-10-03
Referred to the Committee on Financial Services, and in addition to the Committee on the Budget, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
IntroReferral
H11100
2
House floor actions
  - hsba00
Financial Services Committee
- 2025-10-03
Introduced in House
IntroReferral
Intro-H
9
Library of Congress
- 2025-10-03
Introduced in House
IntroReferral
1000
9
Library of Congress
- S001230
Rep. Subramanyam, Suhas [D-VA-10]
Suhas
Subramanyam
D
VA
10
N
- B001292
Rep. Beyer, Donald S. [D-VA-8]
Donald
Beyer
D
VA
S.
8
2025-10-03
True
- H001066
Rep. Horsford, Steven [D-NV-4]
Steven
Horsford
D
NV
4
2025-10-03
True
- L000582
Rep. Lieu, Ted [D-CA-36]
Ted
Lieu
D
CA
36
2025-10-03
True
- M001232
Rep. McClain Delaney, April [D-MD-6]
April
McClain Delaney
D
MD
6
2025-10-03
True
- M001227
Rep. McClellan, Jennifer L. [D-VA-4]
Jennifer
McClellan
D
VA
L.
4
2025-10-03
True
- N000147
Del. Norton, Eleanor Holmes [D-DC-At Large]
Eleanor
Norton
D
DC
Holmes
0
2025-10-03
True
- R000606
Rep. Raskin, Jamie [D-MD-8]
Jamie
Raskin
D
MD
8
2025-10-03
True
- W000831
Rep. Walkinshaw, James R. [D-VA-11]
James
Walkinshaw
D
VA
R.
11
2025-10-03
True
- C001072
Rep. Carson, André [D-IN-7]
André
Carson
D
IN
7
2025-10-08
False
- B001281
Rep. Beatty, Joyce [D-OH-3]
Joyce
Beatty
D
OH
3
2025-10-08
False
- M000687
Rep. Mfume, Kweisi [D-MD-7]
Kweisi
Mfume
D
MD
7
2025-10-10
False
- A000380
Rep. Amo, Gabe [D-RI-1]
Gabe
Amo
D
RI
1
2025-10-10
False
- M001231
Rep. Mannion, John W. [D-NY-22]
John
Mannion
D
NY
W.
22
2025-10-14
False
- H001103
Rescom. Hernández, Pablo Jose [D-PR-At Large]
Pablo
Hernández
D
PR
Jose
0
2025-10-17
False
- R000621
Rep. Randall, Emily [D-WA-6]
Emily
Randall
D
WA
6
2025-10-17
False
- V000138
Rep. Vindman, Eugene Simon [D-VA-7]
Eugene
Vindman
D
VA
Simon
7
2025-10-21
False
- W000822
Rep. Watson Coleman, Bonnie [D-NJ-12]
Bonnie
Watson Coleman
D
NJ
12
2025-10-28
False
- F000468
Rep. Fletcher, Lizzie [D-TX-7]
Lizzie
Fletcher
D
TX
7
2025-10-31
False
- K000375
Rep. Keating, William R. [D-MA-9]
William
Keating
D
MA
R.
9
2025-10-31
False
- T000468
Rep. Titus, Dina [D-NV-1]
Dina
Titus
D
NV
1
2025-11-12
False
Finance and Financial Sector
Finance and Financial Sector
2025-10-17T17:50:13Z
00
2025-10-03
Introduced in House
2025-10-17T18:22:44Z
Shutdown Guidance for Financial Institutions Act
This bill directs financial regulators—including the Federal Reserve Board, the Consumer Financial Protection Bureau, the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, and the National Credit Union Administration—to jointly issue guidance relating to a government shutdown.
Specifically, financial regulators must issue guidance encouraging financial institutions to
- work with consumers and businesses affected by a shutdown,
- recognize that consumers and businesses affected by a shutdown may lose access to credit and face temporary hardship in making payments on debts,
- consider efforts to modify terms on existing loans or extend new credit to assist consumers and businesses affected by a shutdown, and
- take steps to prevent adverse credit information from being reported in a manner that harms consumers affected by a shutdown.
In addition, financial regulators must jointly issue a press release to notify financial institutions, consumers, and businesses of this guidance in the event of a government shutdown.
Financial regulators must also complete a report after a government shutdown regarding the guidance's effectiveness and update the guidance if any shortcoming are identified in the report.

Shutdown Guidance for Financial Institutions Act
- Display Title
45

Shutdown Guidance for Financial Institutions Act
2025-10-16T09:38:15Z
- Short Title(s) as Introduced
101

Shutdown Guidance for Financial Institutions Act
2025-10-16T09:38:13Z
Introduced in House
IH
- Official Title as Introduced
6

To require the Federal financial regulators to issue guidance encouraging financial institutions to work with consumers and businesses affected by a Federal Government shutdown, and for other purposes.
2025-10-16T09:33:16Z
Introduced in House
IH
- Introduced in House
2025-10-03T04:00:00Z
  - https://www.govinfo.gov/content/pkg/BILLS-119hr5689ih/xml/BILLS-119hr5689ih.xml
2025-10-03
Referred to the Committee on Financial Services, and in addition to the Committee on the Budget, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
text/xml
EN
Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.
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