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S.J.Res. 18Became law

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

Introduced: Feb 13, 2025

Latest action date: May 9, 2025

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Became law

Congress.gov records that the measure became law.

Introduced

Feb 13, 2025

Latest action

May 9, 2025

Recorded roll calls

1

Civixly topics

What this legislation is about

Civixly topics make federal and state legislation comparable. They are derived from the official CRS policy area and legislative subjects.

Official CRS policy area

Finance and Financial Sector

View 6 official legislative subjects
Administrative law and regulatory proceduresBank accounts, deposits, capitalBanking and financial institutions regulationCongressional oversightConsumer Financial Protection BureauUser charges and fees

Bill 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.

Committee activity

Committees and subcommittees that received, reviewed, marked up, or reported this legislation.

Amendments

Proposed changes to this measure, with their latest official outcome or action from Congress.gov.

No amendments are listed for this measure.

Checked against Congress.gov Sep 12, 2026.

Action timeline

Newest action first. Action language comes from the official Congress.gov record.

View full action timeline30 actions
  1. Became Public Law No: 119-10.

    PresidentLibrary of Congress
  2. Became Public Law No: 119-10.

    BecameLawLibrary of Congress
  3. Signed by President.

    PresidentLibrary of Congress
  4. Signed by President.

    BecameLawLibrary of Congress
  5. Presented to President.

    FloorHouse floor actions
  6. Presented to President.

    PresidentLibrary of Congress
  7. Motion to reconsider laid on the table Agreed to without objection.

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

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

    FloorLibrary of Congress
  10. Considered as unfinished business. (consideration: CR H1533)

    FloorHouse floor actions
  11. 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.

    FloorHouse floor actions
  12. The previous question was ordered pursuant to the rule.

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

    FloorHouse floor actions
  14. 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.

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

    FloorHouse floor actions
  16. 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.

    FloorHouse floor actions
  17. 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.

    FloorHouse floor actions
  18. Held at the desk.

    FloorHouse floor actions
  19. Received in the House.

    FloorHouse floor actions
  20. Message on Senate action sent to the House.

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

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

    FloorLibrary of Congress
  23. Considered by Senate. (consideration: CR S1879, S1884)

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

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

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

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

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

    CommitteeLibrary of Congress
  29. Introduced in Senate

    IntroReferralLibrary of Congress
  30. Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

    IntroReferralSenate

Roll-call votes

Recorded House and Senate votes connected to this bill. Your representatives appear first when available.

PassedDate unavailableHouse · Roll call 96

On Passage

Vote source ↗
217 Yea211 Nay5 Not Voting
View 433 recorded positions
David ScottNay
Donald NorcrossNot Voting
Doug LaMalfaYea
Eric SwalwellNay
Gary J. PalmerNot Voting
Gerald E. ConnollyNay
Josh GottheimerNot Voting
Marjorie Taylor GreeneYea
Mark E. GreenYea
Mikie SherrillNay
Roger WilliamsNot Voting
Sheila Cherfilus-McCormickNay
Tony GonzalesYea

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Federal legislative data comes from Congress.gov and official House and Senate vote records.

Base metadata check pending · Summary check pending · Action timeline checked Sep 12, 2026 · Complete sponsorship check pending · Topics checked Sep 12, 2026 · Committees checked Sep 12, 2026 · Status checked Sep 12, 2026 · Related bills checked Sep 12, 2026.