substantiveApr 9, 2025 · House roll call · passage · Result: Passed
On Passage — S J RES 28 — Disappoving 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”
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".
In plain language
- Senate joint resolution in the 119th Congress.
- Nullifies the final rule issued by the Consumer Financial Protection Bureau (CFPB) titled Defining Larger Participants.
- Senate passed it on Mar 5, 2025 (substantive).
Official summary (Congressional Research Service)
This joint resolution nullifies the final rule issued by the Consumer Financial Protection Bureau (CFPB) titled Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications and published on December 10, 2024. The rule defines larger participants in the general-use digital consumer payment application market (i.e., payment apps) that are subject to CFPB supervisory authority. The rule defines larger participants in this market as nonbanks (1) with an annual volume of at least 50 million transactions, and (2) that are not small business concerns.
Roll-call breakdown
Yea219
Independent: 1 · Republican: 218
Nay211
Democrat: 211
Present0
—
Not Voting3
Democrat: 2 · Republican: 1
How each member voted (433)
Yea (219)
- Aaron Bean (Republican–FL)
- Abraham J. Hamadeh (Republican–AZ)
- Addison P. McDowell (Republican–NC)
- Adrian Smith (Republican–NE)
- Andrew Ogles (Republican–TN)
- Andrew R. Garbarino (Republican–NY)
- Andrew S. Clyde (Republican–GA)
- Andy Barr (Republican–KY)
- Andy Biggs (Republican–AZ)
- Andy Harris (Republican–MD)
- Ann Wagner (Republican–MO)
- Anna Paulina Luna (Republican–FL)
- Ashley Hinson (Republican–IA)
- August Pfluger (Republican–TX)
- Austin Scott (Republican–GA)
- Barry Loudermilk (Republican–GA)
- Barry Moore (Republican–AL)
- Ben Cline (Republican–VA)
- Beth Van Duyne (Republican–TX)
- Bill Huizenga (Republican–MI)
- Blake D. Moore (Republican–UT)
- Brad Finstad (Republican–MN)
- Brad Knott (Republican–NC)
- Brandon Gill (Republican–TX)
- Brett Guthrie (Republican–KY)
- Brian Babin (Republican–TX)
- Brian J. Mast (Republican–FL)
- Brian Jack (Republican–GA)
- Brian K. Fitzpatrick (Republican–PA)
- Bruce Westerman (Republican–AR)
- Bryan Steil (Republican–WI)
- Burgess Owens (Republican–UT)
- Byron Donalds (Republican–FL)
- Carlos A. Gimenez (Republican–FL)
- Carol D. Miller (Republican–WV)
- Celeste Maloy (Republican–UT)
- Charles J. "Chuck" Fleischmann (Republican–TN)
- Chip Roy (Republican–TX)
- Christopher H. Smith (Republican–NJ)
- Chuck Edwards (Republican–NC)
- Claudia Tenney (Republican–NY)
- Clay Higgins (Republican–LA)
- Cliff Bentz (Republican–OR)
- Cory Mills (Republican–FL)
- Craig A. Goldman (Republican–TX)
- Dale W. Strong (Republican–AL)
- Dan Crenshaw (Republican–TX)
- Dan Newhouse (Republican–WA)
- Daniel Meuser (Republican–PA)
- Daniel Webster (Republican–FL)
- Darin LaHood (Republican–IL)
- Darrell Issa (Republican–CA)
- David G. Valadao (Republican–CA)
- David J. Taylor (Republican–OH)
- David Kustoff (Republican–TN)
- David P. Joyce (Republican–OH)
- David Rouzer (Republican–NC)
- David Schweikert (Republican–AZ)
- Derek Schmidt (Republican–KS)
- Derrick Van Orden (Republican–WI)
- Diana Harshbarger (Republican–TN)
- Don Bacon (Republican–NE)
- Doug LaMalfa (Republican–CA)
- Dusty Johnson (Republican–SD)
- Earl L. "Buddy" Carter (Republican–GA)
- Elijah Crane (Republican–AZ)
- Elise M. Stefanik (Republican–NY)
- Eric A. "Rick" Crawford (Republican–AR)
- Eric Burlison (Republican–MO)
- Erin Houchin (Republican–IN)
- Frank D. Lucas (Republican–OK)
- Gabe Evans (Republican–CO)
- Gary J. Palmer (Republican–AL)
- Glenn Grothman (Republican–WI)
- Glenn Thompson (Republican–PA)
- Gregory F. Murphy (Republican–NC)
- Gus M. Bilirakis (Republican–FL)
- Guy Reschenthaler (Republican–PA)
- H. Morgan Griffith (Republican–VA)
- Harold Rogers (Republican–KY)
- Harriet M. Hageman (Republican–WY)
- J. French Hill (Republican–AR)
- Jack Bergman (Republican–MI)
- Jake Ellzey (Republican–TX)
- James Comer (Republican–KY)
- James R. Baird (Republican–IN)
- Jason Smith (Republican–MO)
- Jay Obernolte (Republican–CA)
- Jeff Crank (Republican–CO)
- Jeff Hurd (Republican–CO)
- Jefferson Shreve (Republican–IN)
- Jefferson Van Drew (Republican–NJ)
- Jennifer A. Kiggans (Republican–VA)
- Jim Jordan (Republican–OH)
- Jimmy Patronis (Republican–FL)
- Jodey C. Arrington (Republican–TX)
- Joe Wilson (Republican–SC)
- John H. Rutherford (Republican–FL)
- John J. McGuire III (Republican–VA)
- John James (Republican–MI)
- John Joyce (Republican–PA)
- John R. Carter (Republican–TX)
- John R. Moolenaar (Republican–MI)
- John W. Rose (Republican–TN)
- Josh Brecheen (Republican–OK)
- Juan Ciscomani (Republican–AZ)
- Julia Letlow (Republican–LA)
- Julie Fedorchak (Republican–ND)
- Kat Cammack (Republican–FL)
- Keith Self (Republican–TX)
- Ken Calvert (Republican–CA)
- Kevin Hern (Republican–OK)
- Kevin Kiley (Independent–CA)
- Lance Gooden (Republican–TX)
- Laurel M. Lee (Republican–FL)
- Lauren Boebert (Republican–CO)
- Lisa C. McClain (Republican–MI)
- Maria Elvira Salazar (Republican–FL)
- Mariannette Miller-Meeks (Republican–IA)
- Mario Diaz-Balart (Republican–FL)
- Marjorie Taylor Greene (Republican–GA)
- Mark Alford (Republican–MO)
- Mark B. Messmer (Republican–IN)
- Mark E. Amodei (Republican–NV)
- Mark E. Green (Republican–TN)
- Mark Harris (Republican–NC)
- Marlin A. Stutzman (Republican–IN)
- Mary E. Miller (Republican–IL)
- Max L. Miller (Republican–OH)
- Michael A. Rulli (Republican–OH)
- Michael Baumgartner (Republican–WA)
- Michael Cloud (Republican–TX)
- Michael Guest (Republican–MS)
- Michael K. Simpson (Republican–ID)
- Michael Lawler (Republican–NY)
- Michael R. Turner (Republican–OH)
- Michael T. McCaul (Republican–TX)
- Michelle Fischbach (Republican–MN)
- Mike Bost (Republican–IL)
- Mike Carey (Republican–OH)
- Mike Collins (Republican–GA)
- Mike Ezell (Republican–MS)
- Mike Flood (Republican–NE)
- Mike Haridopolos (Republican–FL)
- Mike Johnson (Republican–LA)
- Mike Kelly (Republican–PA)
- Mike Kennedy (Republican–UT)
- Mike Rogers (Republican–AL)
- Monica De La Cruz (Republican–TX)
- Morgan Luttrell (Republican–TX)
- Nancy Mace (Republican–SC)
- Nathaniel Moran (Republican–TX)
- Neal P. Dunn (Republican–FL)
- Nicholas A. Langworthy (Republican–NY)
- Nicholas J. Begich III (Republican–AK)
- Nick LaLota (Republican–NY)
- Nicole Malliotakis (Republican–NY)
- Pat Fallon (Republican–TX)
- Pat Harrigan (Republican–NC)
- Paul A. Gosar (Republican–AZ)
- Pete Sessions (Republican–TX)
- Pete Stauber (Republican–MN)
- Ralph Norman (Republican–SC)
- Randy Feenstra (Republican–IA)
- Randy Fine (Republican–FL)
- Randy K. Weber, Sr. (Republican–TX)
- Richard Hudson (Republican–NC)
- Richard McCormick (Republican–GA)
- Rick W. Allen (Republican–GA)
- Riley M. Moore (Republican–WV)
- Robert B. Aderholt (Republican–AL)
- Robert E. Latta (Republican–OH)
- Robert F. Onder, Jr. (Republican–MO)
- Robert J. Wittman (Republican–VA)
- Robert P. Bresnahan, Jr. (Republican–PA)
- Roger Williams (Republican–TX)
- Ron Estes (Republican–KS)
- Ronny Jackson (Republican–TX)
- Rudy Yakym III (Republican–IN)
- Russ Fulcher (Republican–ID)
- Russell Fry (Republican–SC)
- Ryan K. Zinke (Republican–MT)
- Ryan Mackenzie (Republican–PA)
- Sam Graves (Republican–MO)
- Scott DesJarlais (Republican–TN)
- Scott Fitzgerald (Republican–WI)
- Scott Franklin (Republican–FL)
- Scott Perry (Republican–PA)
- Sheri Biggs (Republican–SC)
- Stephanie I. Bice (Republican–OK)
- Steve Scalise (Republican–LA)
- Steve Womack (Republican–AR)
- Thomas H. Kean, Jr. (Republican–NJ)
- Thomas Massie (Republican–KY)
- Thomas P. Tiffany (Republican–WI)
- Tim Burchett (Republican–TN)
- Tim Moore (Republican–NC)
- Tim Walberg (Republican–MI)
- Tom Barrett (Republican–MI)
- Tom Cole (Republican–OK)
- Tom Emmer (Republican–MN)
- Tom McClintock (Republican–CA)
- Tony Gonzales (Republican–TX)
- Tony Wied (Republican–WI)
- Tracey Mann (Republican–KS)
- Trent Kelly (Republican–MS)
- Troy Balderson (Republican–OH)
- Troy Downing (Republican–MT)
- Troy E. Nehls (Republican–TX)
- Vern Buchanan (Republican–FL)
- Victoria Spartz (Republican–IN)
- Vince Fong (Republican–CA)
- Virginia Foxx (Republican–NC)
- W. Gregory Steube (Republican–FL)
- Warren Davidson (Republican–OH)
- Wesley Hunt (Republican–TX)
- William R. Timmons IV (Republican–SC)
- Young Kim (Republican–CA)
- Zachary Nunn (Republican–IA)
Nay (211)
- Adam Gray (Democrat–CA)
- Adam Smith (Democrat–WA)
- Adriano Espaillat (Democrat–NY)
- Al Green (Democrat–TX)
- Alexandria Ocasio-Cortez (Democrat–NY)
- Alma S. Adams (Democrat–NC)
- Ami Bera (Democrat–CA)
- André Carson (Democrat–IN)
- Andrea Salinas (Democrat–OR)
- Angie Craig (Democrat–MN)
- April McClain Delaney (Democrat–MD)
- Ayanna Pressley (Democrat–MA)
- Becca Balint (Democrat–VT)
- Bennie G. Thompson (Democrat–MS)
- Betty McCollum (Democrat–MN)
- Bill Foster (Democrat–IL)
- Bonnie Watson Coleman (Democrat–NJ)
- Brad Sherman (Democrat–CA)
- Bradley Scott Schneider (Democrat–IL)
- Brendan F. Boyle (Democrat–PA)
- Brittany Pettersen (Democrat–CO)
- Chellie Pingree (Democrat–ME)
- Chris Pappas (Democrat–NH)
- Chrissy Houlahan (Democrat–PA)
- Christopher R. Deluzio (Democrat–PA)
- Cleo Fields (Democrat–LA)
- Daniel S. Goldman (Democrat–NY)
- Danny K. Davis (Democrat–IL)
- Darren Soto (Democrat–FL)
- Dave Min (Democrat–CA)
- David Scott (Democrat–GA)
- Debbie Dingell (Democrat–MI)
- Debbie Wasserman Schultz (Democrat–FL)
- Deborah K. Ross (Democrat–NC)
- Delia C. Ramirez (Democrat–IL)
- Derek Tran (Democrat–CA)
- Diana DeGette (Democrat–CO)
- Dina Titus (Democrat–NV)
- Donald G. Davis (Democrat–NC)
- Donald S. Beyer, Jr. (Democrat–VA)
- Doris O. Matsui (Democrat–CA)
- Dwight Evans (Democrat–PA)
- Ed Case (Democrat–HI)
- Emanuel Cleaver (Democrat–MO)
- Emilia Strong Sykes (Democrat–OH)
- Emily Randall (Democrat–WA)
- Eric Sorensen (Democrat–IL)
- Eric Swalwell (Democrat–CA)
- Eugene Simon Vindman (Democrat–VA)
- Frank J. Mrvan (Democrat–IN)
- Frank Pallone, Jr. (Democrat–NJ)
- Frederica S. Wilson (Democrat–FL)
- Gabe Amo (Democrat–RI)
- Gabe Vasquez (Democrat–NM)
- George Latimer (Democrat–NY)
- George Whitesides (Democrat–CA)
- Gerald E. Connolly (Democrat–VA)
- Gilbert Ray Cisneros, Jr. (Democrat–CA)
- Glenn Ivey (Democrat–MD)
- Grace Meng (Democrat–NY)
- Greg Casar (Democrat–TX)
- Greg Landsman (Democrat–OH)
- Greg Stanton (Democrat–AZ)
- Gregory W. Meeks (Democrat–NY)
- Gwen Moore (Democrat–WI)
- Hakeem S. Jeffries (Democrat–NY)
- Haley M. Stevens (Democrat–MI)
- Henry C. "Hank" Johnson, Jr. (Democrat–GA)
- Henry Cuellar (Democrat–TX)
- Herbert C. Conaway, Jr. (Democrat–NJ)
- Hillary J. Scholten (Democrat–MI)
- Ilhan Omar (Democrat–MN)
- J. Luis Correa (Democrat–CA)
- Jahana Hayes (Democrat–CT)
- Jake Auchincloss (Democrat–MA)
- James A. Himes (Democrat–CT)
- James E. Clyburn (Democrat–SC)
- James P. McGovern (Democrat–MA)
- Jamie Raskin (Democrat–MD)
- Janelle S. Bynum (Democrat–OR)
- Janice D. Schakowsky (Democrat–IL)
- Jared F. Golden (Democrat–ME)
- Jared Huffman (Democrat–CA)
- Jared Moskowitz (Democrat–FL)
- Jasmine Crockett (Democrat–TX)
- Jason Crow (Democrat–CO)
- Jennifer L. McClellan (Democrat–VA)
- Jerrold Nadler (Democrat–NY)
- Jesús G. "Chuy" García (Democrat–IL)
- Jill N. Tokuda (Democrat–HI)
- Jim Costa (Democrat–CA)
- Jimmy Gomez (Democrat–CA)
- Jimmy Panetta (Democrat–CA)
- Joaquin Castro (Democrat–TX)
- Joe Courtney (Democrat–CT)
- Joe Neguse (Democrat–CO)
- John B. Larson (Democrat–CT)
- John Garamendi (Democrat–CA)
- John W. Mannion (Democrat–NY)
- Johnny Olszewski, Jr. (Democrat–MD)
- Jonathan L. Jackson (Democrat–IL)
- Joseph D. Morelle (Democrat–NY)
- Josh Gottheimer (Democrat–NJ)
- Josh Harder (Democrat–CA)
- Josh Riley (Democrat–NY)
- Joyce Beatty (Democrat–OH)
- Juan Vargas (Democrat–CA)
- Judy Chu (Democrat–CA)
- Julia Brownley (Democrat–CA)
- Julie Johnson (Democrat–TX)
- Katherine M. Clark (Democrat–MA)
- Kathy Castor (Democrat–FL)
- Kelly Morrison (Democrat–MN)
- Kevin Mullin (Democrat–CA)
- Kim Schrier (Democrat–WA)
- Kristen McDonald Rivet (Democrat–MI)
- Kweisi Mfume (Democrat–MD)
- LaMonica McIver (Democrat–NJ)
- Lateefah Simon (Democrat–CA)
- Laura Friedman (Democrat–CA)
- Laura Gillen (Democrat–NY)
- Lauren Underwood (Democrat–IL)
- Linda T. Sánchez (Democrat–CA)
- Lizzie Fletcher (Democrat–TX)
- Lloyd Doggett (Democrat–TX)
- Lois Frankel (Democrat–FL)
- Lori Trahan (Democrat–MA)
- Lucy McBath (Democrat–GA)
- Luz M. Rivas (Democrat–CA)
- Madeleine Dean (Democrat–PA)
- Maggie Goodlander (Democrat–NH)
- Marc A. Veasey (Democrat–TX)
- Marcy Kaptur (Democrat–OH)
- Marie Gluesenkamp Perez (Democrat–WA)
- Marilyn Strickland (Democrat–WA)
- Mark DeSaulnier (Democrat–CA)
- Mark Pocan (Democrat–WI)
- Mark Takano (Democrat–CA)
- Mary Gay Scanlon (Democrat–PA)
- Maxine Dexter (Democrat–OR)
- Maxine Waters (Democrat–CA)
- Maxwell Frost (Democrat–FL)
- Melanie A. Stansbury (Democrat–NM)
- Mike Levin (Democrat–CA)
- Mike Quigley (Democrat–IL)
- Mike Thompson (Democrat–CA)
- Mikie Sherrill (Democrat–NJ)
- Morgan McGarvey (Democrat–KY)
- Nancy Pelosi (Democrat–CA)
- Nellie Pou (Democrat–NJ)
- Nikema Williams (Democrat–GA)
- Nikki Budzinski (Democrat–IL)
- Norma J. Torres (Democrat–CA)
- Nydia M. Velázquez (Democrat–NY)
- Patrick Ryan (Democrat–NY)
- Paul Tonko (Democrat–NY)
- Pete Aguilar (Democrat–CA)
- Pramila Jayapal (Democrat–WA)
- Raja Krishnamoorthi (Democrat–IL)
- Rashida Tlaib (Democrat–MI)
- Raul Ruiz (Democrat–CA)
- Richard E. Neal (Democrat–MA)
- Rick Larsen (Democrat–WA)
- Ritchie Torres (Democrat–NY)
- Ro Khanna (Democrat–CA)
- Robert C. "Bobby" Scott (Democrat–VA)
- Robert Garcia (Democrat–CA)
- Robert Menendez (Democrat–NJ)
- Robin L. Kelly (Democrat–IL)
- Rosa L. DeLauro (Democrat–CT)
- Salud O. Carbajal (Democrat–CA)
- Sam T. Liccardo (Democrat–CA)
- Sanford D. Bishop, Jr. (Democrat–GA)
- Sara Jacobs (Democrat–CA)
- Sarah Elfreth (Democrat–MD)
- Sarah McBride (Democrat–DE)
- Scott H. Peters (Democrat–CA)
- Sean Casten (Democrat–IL)
- Seth Magaziner (Democrat–RI)
- Seth Moulton (Democrat–MA)
- Sharice Davids (Democrat–KS)
- Sheila Cherfilus-McCormick (Democrat–FL)
- Shomari Figures (Democrat–AL)
- Shontel M. Brown (Democrat–OH)
- Shri Thanedar (Democrat–MI)
- Steny H. Hoyer (Democrat–MD)
- Stephen F. Lynch (Democrat–MA)
- Steve Cohen (Democrat–TN)
- Steven Horsford (Democrat–NV)
- Suhas Subramanyam (Democrat–VA)
- Summer L. Lee (Democrat–PA)
- Susie Lee (Democrat–NV)
- Suzan K. DelBene (Democrat–WA)
- Suzanne Bonamici (Democrat–OR)
- Sydney Kamlager-Dove (Democrat–CA)
- Sylvia R. Garcia (Democrat–TX)
- Ted Lieu (Democrat–CA)
- Teresa Leger Fernandez (Democrat–NM)
- Terri A. Sewell (Democrat–AL)
- Thomas R. Suozzi (Democrat–NY)
- Timothy M. Kennedy (Democrat–NY)
- Troy A. Carter (Democrat–LA)
- Val T. Hoyle (Democrat–OR)
- Valerie P. Foushee (Democrat–NC)
- Veronica Escobar (Democrat–TX)
- Vicente Gonzalez (Democrat–TX)
- Wesley Bell (Democrat–MO)
- William R. Keating (Democrat–MA)
- Yassamin Ansari (Democrat–AZ)
- Yvette D. Clarke (Democrat–NY)
- Zoe Lofgren (Democrat–CA)
Not Voting (3)
- Donald Norcross (Democrat–NJ)
- Lloyd Smucker (Republican–PA)
- Nanette Diaz Barragán (Democrat–CA)
Party labels reflect each member’s most recent affiliation on record.