3.0.0
18
2025-12-05T21:44:03Z
2025-12-05T21:44:03Z
Senate
S
SJRES
2025-02-13
119
https://www.congress.gov/bill/119th-congress/senate-joint-resolution/18
- ssbk00
Banking, Housing, and Urban Affairs Committee
Senate
Standing
  - Discharged From
2025-03-26T20:23:35Z
  - Referred To
2025-02-13T16:08:55Z

- Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".
119
59
HJRES
2025-03-21
Placed on the Union Calendar, Calendar No. 16.
  - Identical bill
CRS

- Providing for consideration of the joint resolution (S.J. Res. 18) disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions''; providing for consideration of the joint resolution (S.J. Res. 28) disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to ''Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications''; providing for consideration of the bill (H.R. 1526) to amend title 28, United States Code, to limit the authority of district courts to provide injunctive relief, and for other purposes; providing for consideration of the bill (H.R. 22) to amend the National Voter Registration Act of 1993 to require proof of United States citizenship to register an individual to vote in elections for Federal office, and for other purposes; and for other purposes.
119
282
HRES
2025-04-01
Motion to reconsider laid on the table Agreed to without objection.
14:16:03
  - Related bill
House
  - Procedurally related
House

- Providing for consideration of the joint resolution (S.J. Res. 18) disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions"; providing for consideration of the joint resolution (S.J. Res. 28) disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications"; providing for consideration of the bill (H.R. 1526) to amend title 28, United States Code, to limit the authority of district courts to provide injunctive relief, and for other purposes; providing for consideration of the bill (H.R. 22) to amend the National Voter Registration Act of 1993 to require proof of United States citizenship to register an individual to vote in elections for Federal office, and for other purposes; and for other purposes.
119
294
HRES
2025-04-08
Motion to reconsider laid on the table Agreed to without objection.
15:23:14
  - Related bill
House
  - Procedurally related
House
- 2025-05-09
Became Public Law No: 119-10.
President
E40000
9
Library of Congress
- 2025-05-09
Became Public Law No: 119-10.
BecameLaw
36000
9
Library of Congress
- 2025-05-09
Signed by President.
President
E30000
9
Library of Congress
- 2025-05-09
Signed by President.
BecameLaw
36000
9
Library of Congress
- 2025-05-05
Presented to President.
Floor
E20000
2
House floor actions
- 2025-05-05
Presented to President.
President
28000
9
Library of Congress
- 2025-04-09
16:26:11
Motion to reconsider laid on the table Agreed to without objection.
Floor
H38310
2
House floor actions
- 2025-04-09
16:26:08
On passage Passed by the Yeas and Nays: 217 - 211 (Roll no. 96). (text: CR H1519)
Floor
H37100
2
House floor actions
96
https://clerk.house.gov/evs/2025/roll096.xml
House
119
2025-04-09T20:26:08Z
1
- 2025-04-09
16:26:08
Passed/agreed to in House: On passage Passed by the Yeas and Nays: 217 - 211 (Roll no. 96). (text: CR H1519: 1)
Floor
8000
9
Library of Congress
96
https://clerk.house.gov/evs/2025/roll096.xml
House
119
2025-04-09T20:26:08Z
1
- 2025-04-09
16:20:18
Considered as unfinished business. (consideration: CR H1533)
Floor
H30000
2
House floor actions
- 2025-04-09
14:11:35
POSTPONED PROCEEDINGS - At the conclusion of debate on S.J. Res. 18, the Chair put the question on passage of the joint resolution and by voice vote, announced that the ayes had prevailed. Mr. Hill (AR) demanded the yeas and nays and the Chair postponed further proceedings until a time to be announced.
Floor
H8D000
2
House floor actions
- 2025-04-09
14:10:55
The previous question was ordered pursuant to the rule.
Floor
H35000
2
House floor actions
- 2025-04-09
13:08:38
DEBATE - The House proceeded with one hour of debate on S.J. Res. 18.
Floor
H8D000
2
House floor actions
- 2025-04-09
13:08:04
Rule provides for consideration of S.J. Res. 18, S.J. Res. 28, H.R. 1526 and H.R. 22. The resolution provides for consideration of H.R. 22, H.R. 1526, S.J. Res. 18, and S.J. Res. 28 under a closed rule. The resolution provides for one hour of debate on each measure and one motion to recommit on H.R. 22 and H.R. 1526, and one motion to commit on S.J. Res. 18 and S.J. Res. 28.
Floor
H8D000
2
House floor actions
- 2025-04-09
13:07:59
Considered under the provisions of rule H. Res. 294. (consideration: CR H1519-1525)
Floor
H30000
2
House floor actions
- 2025-04-07
19:20:40
Rules Committee Resolution H. Res. 294 Reported to House. Rule provides for consideration of S.J. Res. 18, S.J. Res. 28, H.R. 1526 and H.R. 22. The resolution provides for consideration of H.R. 22, H.R. 1526, S.J. Res. 18, and S.J. Res. 28 under a closed rule. The resolution provides for one hour of debate on each measure and one motion to recommit on H.R. 22 and H.R. 1526, and one motion to commit on S.J. Res. 18 and S.J. Res. 28.
Floor
H1L210
2
House floor actions
- 2025-04-01
10:03:16
Rules Committee Resolution H. Res. 282 Reported to House. Rule provides for consideration of H.R. 22, H.R. 1526, S.J. Res. 18 and S.J. Res. 28. The resolution provides for consideration of H.R. 22, H.R. 1526, S.J. Res. 18, and S.J. Res. 28 under a closed rule. The resolution provides for one hour of debate on each measure and one motion to recommit on H.R. 22 and H.R. 1526, and one motion to commit on S.J. Res. 18 and S.J. Res. 28. The resolution also provides that H. Res. 23 and H. Res. 164 are laid on the table.
Floor
H1L210
2
House floor actions
- 2025-03-31
14:24:18
Held at the desk.
Floor
H15000
2
House floor actions
- 2025-03-31
14:15:20
Received in the House.
Floor
H14000
2
House floor actions
- 2025-03-31
Senate
Message on Senate action sent to the House.
Floor
- 2025-03-27
Senate
Passed Senate without amendment by Yea-Nay Vote. 52 - 48. Record Vote Number: 153. (text: CR S1884)
Floor
153
https://www.senate.gov/legislative/LIS/roll_call_votes/vote1191/vote_119_1_00153.xml
Senate
119
2025-03-27T16:22:12Z
1
- 2025-03-27
Passed/agreed to in Senate: Passed Senate without amendment by Yea-Nay Vote. 52 - 48. Record Vote Number: 153.
Floor
17000
9
Library of Congress
153
https://www.senate.gov/legislative/LIS/roll_call_votes/vote1191/vote_119_1_00153.xml
Senate
119
2025-03-27T16:22:12Z
1
- 2025-03-27
Senate
Considered by Senate. (consideration: CR S1879, S1884)
Floor
- 2025-03-26
Senate
Measure laid before Senate by motion. (consideration: CR S1864)
Floor
- 2025-03-26
Senate
Motion to proceed to consideration of measure agreed to in Senate by Yea-Nay Vote. 52 - 47. Record Vote Number: 152.
Floor
152
https://www.senate.gov/legislative/LIS/roll_call_votes/vote1191/vote_119_1_00152.xml
Senate
119
2025-03-27T01:09:46Z
1
- 2025-03-26
Senate
Placed on Senate Legislative Calendar under General Orders. Calendar No. 34.
Calendars
- 2025-03-26
  - ssbk00
Banking, Housing, and Urban Affairs Committee
Senate
Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c).
Discharge
- 2025-03-26
Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c).
Committee
14500
9
Library of Congress
  - ssbk00
Banking, Housing, and Urban Affairs Committee
- 2025-02-13
  - ssbk00
Banking, Housing, and Urban Affairs Committee
Senate
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
IntroReferral
- 2025-02-13
Introduced in Senate
IntroReferral
10000
9
Library of Congress
- S001184
Sen. Scott, Tim [R-SC]
Tim
Scott
R
SC
N
- R000605
Sen. Rounds, Mike [R-SD]
Mike
Rounds
R
SD
2025-02-13
True
- H000601
Sen. Hagerty, Bill [R-TN]
Bill
Hagerty
R
TN
2025-02-13
True
- C000880
Sen. Crapo, Mike [R-ID]
Mike
Crapo
R
ID
2025-02-13
True
- T000476
Sen. Tillis, Thomas [R-NC]
Thomas
Tillis
R
NC
Roland
2025-02-13
True
- C001096
Sen. Cramer, Kevin [R-ND]
Kevin
Cramer
R
ND
2025-02-13
True
- B001319
Sen. Britt, Katie Boyd [R-AL]
Katie
Britt
R
AL
2025-02-13
True
- M000934
Sen. Moran, Jerry [R-KS]
Jerry
Moran
R
KS
2025-02-13
True
- R000584
Sen. Risch, James E. [R-ID]
James
Risch
R
ID
E.
2025-02-13
True
- B001236
Sen. Boozman, John [R-AR]
John
Boozman
R
AR
2025-02-13
True
- W000437
Sen. Wicker, Roger F. [R-MS]
Roger
Wicker
R
MS
F.
2025-02-13
True
- L000571
Sen. Lummis, Cynthia M. [R-WY]
Cynthia
Lummis
R
WY
M.
2025-02-13
True
- R000618
Sen. Ricketts, Pete [R-NE]
Pete
Ricketts
R
NE
2025-02-13
True
- M001242
Sen. Moreno, Bernie [R-OH]
Bernie
Moreno
R
OH
2025-02-13
True
- L000577
Sen. Lee, Mike [R-UT]
Mike
Lee
R
UT
2025-02-19
False
- D000618
Sen. Daines, Steve [R-MT]
Steve
Daines
R
MT
2025-03-04
False
- T000250
Sen. Thune, John [R-SD]
John
Thune
R
SD
2025-03-12
False
- Public Law
119-10
Finance and Financial Sector
- Administrative law and regulatory procedures
2025-04-01T14:21:13Z
- Bank accounts, deposits, capital
2025-04-01T14:21:13Z
- Banking and financial institutions regulation
2025-04-01T14:21:13Z
- Congressional oversight
2025-04-01T14:21:13Z
- Consumer Financial Protection Bureau
2025-04-01T14:21:13Z
- User charges and fees
2025-04-01T14:21:13Z
Finance and Financial Sector
2025-02-18T15:54:54Z
00
2025-02-13
Introduced in Senate
2025-03-28T15:10:11Z
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.
49
2025-05-09
Public Law
2025-08-26T19:05:52Z
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.

A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".
- Display Title
45

A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".
2025-04-03T13:59:16Z
- Official Title as Introduced
6

A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".
2025-02-15T05:18:30Z
Introduced in Senate
IS
- Enrolled Bill
  - https://www.govinfo.gov/content/pkg/BILLS-119sjres18enr/xml/BILLS-119sjres18enr.xml
- Engrossed in Senate
2025-03-27T04:00:00Z
  - https://www.govinfo.gov/content/pkg/BILLS-119sjres18es/xml/BILLS-119sjres18es.xml
- Placed on Calendar Senate
2025-03-26T04:00:00Z
  - https://www.govinfo.gov/content/pkg/BILLS-119sjres18pcs/xml/BILLS-119sjres18pcs.xml
- Introduced in Senate
2025-02-13T05:00:00Z
  - https://www.govinfo.gov/content/pkg/BILLS-119sjres18is/xml/BILLS-119sjres18is.xml
- 2025-05-10T03:59:59Z
  - https://www.govinfo.gov/content/pkg/PLAW-119publ10/uslm/PLAW-119publ10.xml
United States Legislative Markup
Public Law
2025-05-09
Became Public Law No: 119-10.
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.
Congressional Research Service, Library of Congress
This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.