S.J.Res. 18 · 119th Congress · Finance and financial sector
Overturning the CFPB Overdraft Fee Rule
A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".
How each chamber voted
Yea from the left, nay from the right, each side by party
House · Apr 9, 2025
Roll call ↗217
211
Passed the House.
Senate · Mar 27, 2025
Roll call ↗52
48
Passed the Senate.
Law 85 days after it was introduced
Public Law 119-10. Each step dated from the congress.gov record
- IntroducedFeb 13, 2025
- CommitteeFeb 13, 2025
- Passed SenateMar 27, 2025
- Passed HouseApr 9, 2025
- Became lawMay 9, 2025
On the record
- Cosponsors
- 16
- all Republicans
- Senate committee
- Banking, Housing, and Urban Affairs
- Lobbying
- At least 24
- organizations named it2025 Q1 to 2026 Q3
What it does
Using the Congressional Review Act, this resolution voids the Consumer Financial Protection Bureau's final rule titled Overdraft Lending: Very Large Financial Institutions, published at 89 Fed.
How each member voted
The House roll call, passed the House, April 9, 2025
Yea unless marked
R · House · AL-4
R · House · MO-4
R · House · GA-12
Using the Congressional Review Act, this resolution voids the Consumer Financial Protection Bureau's final rule titled Overdraft Lending: Very Large Financial Institutions, published at 89 Fed. Reg. 106768 on December 30, 2024. That rule had tightened how banks and credit unions with more than $10 billion in assets could charge overdraft fees, treating some overdraft programs as covered credit. Once this resolution takes effect, the rule has no force or effect. Under the Congressional Review Act, the agency may not reissue it in substantially the same form without new authorization from Congress.
Each stop is a step the bill’s own record states, with the date it happened. A ring is a step not yet taken. A bill becomes law when the President signs it or Congress overrides a veto.
At least 24 organizations named this measure in a lobbying filing. A floor, not a total: they were counted by the client name on 78 quarterly reports filed by 2 lobbying firms and by 22 organizations lobbying for themselves in 2025 Q1, 2025 Q2, 2025 Q3, 2025 Q4, 2026 Q1, 2026 Q2 and 2026 Q3. An organization that lobbied this measure without naming it is not counted here.
The filings record that lobbying was reported on the measure. The form has no per-bill dollar figure and no field for a position, so nothing here says how much was spent or which side an organization took.
5 of them, in no ranking: Credit Union National Association, Inc. dba America's Credit Unions; Conference of Provincials of North America; U.S. Public Interest Research Group; Bank Policy Institute; Consumer Bankers Association. Listed as filed, in the order the filings were read, and 19 others are not shown. These are not the largest, the earliest or the most active: we keep five names per measure, and the filings give no ranking.
From the LD-2 quarterly lobbying filings published at lda.gov by the Senate Office of Public Records. Read for 2025 Q1, 2025 Q2, 2025 Q3, 2025 Q4, 2026 Q1, 2026 Q2 and 2026 Q3. Our copy holds 24 fewer filings for 2025 Q1, 39 fewer filings for 2025 Q2, 42 fewer filings for 2025 Q3, 33 fewer filings for 2025 Q4, 28 fewer filings for 2026 Q1, 48 fewer filings for 2026 Q2 and 218 fewer filings for 2026 Q3 than the Senate's register counts, so those quarters are the filings we could read rather than every one filed. 2026 Q4 is still inside its filing window, so that quarter is only the filings posted so far.
Congress.gov bill status and cosponsor records; the House Clerk and Senate roll calls; lobbying reports filed under the Lobbying Disclosure Act (lda.gov); the plain summary and provisions are read from the bill text, each with its section.