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

What this measure contains

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.

The latest Congressional Research Service summary in the bill's GovInfo status record, or its official title when no summary has been published. Amendments can change the wording; read a specific version for its complete provisions.

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Bill text and versions

Drafts can change as a measure moves through Congress. Check the version attached to a recorded vote.

• Enrolled Bill · Official document ↗
• Engrossed in Senate · Official document ↗· Mar 27, 2025
• Placed on Calendar Senate · Official document ↗· Mar 26, 2025
• Introduced in Senate · Official document ↗· Feb 13, 2025
• Public Law · Official document ↗· May 10, 2025

Legislative path

Each stage below is a House or Senate floor decision: every recorded roll call on this measure, plus passage by voice vote or unanimous consent, which records no individual votes. Each stage shows the latest version published before that day; the chamber may have voted on an amended text. Roll calls name every member. A member's row follows their votes, and a highlighted vote marks where they voted for advancing the measure at one stage and against it at another (passage, cloture, motions to proceed, agreeing to the other chamber's version). Amendments and motions such as recommit or table don't count as a change, because an aye there isn't a vote for the measure.

1. Introduced in Senate
2. Placed on Calendar Senate
3. Engrossed in Senateby Senate passage
4. Enrolled Bill
5. Public Law

Companion measure: H.J.Res. 59. A companion follows its own path; its votes are not combined with this one.

Decision stages

1. Mar 26, 2025 · Senate

   Senate motion to proceed on Introduced in Senate: Motion to Proceed Agreed to

   52 aye · 47 no · 1 not voting · Source roll call

2. Mar 27, 2025 · Senate

   Senate passage on Placed on Calendar Senate: Joint Resolution Passed, reported as Engrossed in Senate

   52 aye · 48 no · Source roll call

3. Apr 9, 2025 · House

   House passage on Engrossed in Senate: Passed

   217 aye · 211 no · 5 not voting · Source roll call

Senate members along the path

House members along the path

Aye yea or aye · No nay or no · Present · NV not voting · Changed reversed on advancing the measure

Members are identified by the Bioguide ID in each roll call, not by name. Not voting is not a no vote; a blank cell means the member wasn't listed for that roll call.Congress.gov actions ↗

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Legislative history

1. Feb 13, 2025

   Introduced in Senate

2. Feb 13, 2025

   Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

3. Mar 26, 2025

   Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c).

4. Mar 26, 2025

   Placed on Senate Legislative Calendar under General Orders. Calendar No. 34.

5. Mar 26, 2025

   Motion to proceed to consideration of measure agreed to in Senate by Yea-Nay Vote. 52 - 47. Record Vote Number: 152.

6. Mar 26, 2025

   Measure laid before Senate by motion. (consideration: CR S1864)

7. Mar 27, 2025

   Considered by Senate. (consideration: CR S1879, S1884)

8. Mar 27, 2025

   Passed/agreed to in Senate: Passed Senate without amendment by Yea-Nay Vote. 52 - 48. Record Vote Number: 153.

9. Mar 27, 2025

   Passed Senate without amendment by Yea-Nay Vote. 52 - 48. Record Vote Number: 153. (text: CR S1884)

10. Mar 31, 2025

    Message on Senate action sent to the House.

11. Mar 31, 2025

    Received in the House.

12. Mar 31, 2025

    Held at the desk.

13. Apr 1, 2025

    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.

14. Apr 7, 2025

    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.

15. Apr 9, 2025

    Considered under the provisions of rule H. Res. 294. (consideration: CR H1519-1525)

16. Apr 9, 2025

    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.

17. Apr 9, 2025

    DEBATE - The House proceeded with one hour of debate on S.J. Res. 18.

18. Apr 9, 2025

    The previous question was ordered pursuant to the rule.

19. Apr 9, 2025

    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.

20. Apr 9, 2025

    Considered as unfinished business. (consideration: CR H1533)

21. Apr 9, 2025

    Passed/agreed to in House: On passage Passed by the Yeas and Nays: 217 - 211 (Roll no. 96). (text: CR H1519: 1)

22. Apr 9, 2025

    On passage Passed by the Yeas and Nays: 217 - 211 (Roll no. 96). (text: CR H1519)

23. Apr 9, 2025

    Motion to reconsider laid on the table Agreed to without objection.

24. May 5, 2025

    Presented to President.

25. May 9, 2025

    Signed by President.

26. May 9, 2025

    Became Public Law No: 119-10.

Bill sponsors