S.J.Res. 28 · 119th Congress · Finance and financial sector
Overturning the CFPB Digital Payment Apps Rule
How each chamber voted
Yea from the left, nay from the right, each side by party
House · Apr 9, 2025
Roll call ↗219
211
Passed the House.
Senate · Mar 5, 2025
Roll call ↗51
47
Passed the Senate.
Law 71 days after it was introduced
Public Law 119-11. Each step dated from the congress.gov record
- IntroducedFeb 27, 2025
- CommitteeFeb 27, 2025
- Passed SenateMar 5, 2025
- Passed HouseApr 9, 2025
- Became lawMay 9, 2025
On the record
- Cosponsors
- 5
- all Republicans
- Senate committee
- Banking, Housing, and Urban Affairs
- Lobbying
- At least 9
- organizations named it2025 Q1 to 2026 Q3
What it does
This resolution overturns a Consumer Financial Protection Bureau rule that would have brought large digital-payment app providers under the Bureau's supervision.
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
A joint resolution 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".
This resolution overturns a Consumer Financial Protection Bureau rule that would have brought large digital-payment app providers under the Bureau's supervision. Using the Congressional Review Act, Congress disapproves the CFPB final rule titled "Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications," published at 89 Fed. Reg. 99582 on December 10, 2024, and the rule has no force or effect. Under the Congressional Review Act, the Bureau may not issue a substantially similar rule 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 9 organizations named this measure in a lobbying filing. A floor, not a total: they were counted by the client name on 23 quarterly reports filed by 1 lobbying firm and by 9 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: Crypto Council for Innovation; U.S. Public Interest Research Group; Demand Progress Action, Inc; Chamber of Commerce of the U.S.A.; Financial Technology Association. Listed as filed, in the order the filings were read, and 4 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.