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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.

HJRES59-119, HRES282-119,

House floor actions Actions

Floor

Apr. 01
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.

Mar. 31
2025

Held at the desk.
Received in the House.

Senate Actions

Floor
Mar. 31 2025	Message on Senate action sent to the House.
Mar. 27 2025	Passed Senate without amendment by Yea-Nay Vote. 52 - 48. Record Vote Number: 153. (text: CR S1884) Considered by Senate. (consideration: CR S1879, S1884)
Mar. 26 2025	Measure laid before Senate by motion. (consideration: CR S1864) Motion to proceed to consideration of measure agreed to in Senate by Yea-Nay Vote. 52 - 47. Record Vote Number: 152.

Calendars
Mar. 26 2025	Placed on Senate Legislative Calendar under General Orders. Calendar No. 34.

Discharge
Mar. 26 2025	Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c).

IntroReferral
Feb. 13 2025	Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Library of Congress Actions

Floor
Mar. 27 2025	Passed/agreed to in Senate: Passed Senate without amendment by Yea-Nay Vote. 52 - 48. Record Vote Number: 153.

Committee
Mar. 26 2025	Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c).

IntroReferral
Feb. 13 2025	Introduced in Senate

Senate bill SJRES18-119

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

Senate bill SJRES18-119

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

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