substantiveApr 9, 2025 · House roll call · passage · Result: Passed
On Passage — S J RES 18 — Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to “Overdraft Lending: Very Large Financial Institutions”
A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".
In plain language
- Senate joint resolution in the 119th Congress.
- Nullifies the final rule issued by the Consumer Financial Protection Bureau titled Overdraft Lending: Very Large Financial Institutions.
- Senate passed it on Mar 27, 2025 (substantive).
Official summary (Congressional Research Service)
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.
Roll-call breakdown
Yea217
Independent: 1 · Republican: 216
Nay211
Democrat: 210 · Republican: 1
Present0
—
Not Voting5
Democrat: 3 · Republican: 2
How each member voted (433)
Yea (217)
- 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)
- 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)
- Lloyd Smucker (Republican–PA)
- 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)
- 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)
- 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 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)
- Ryan Mackenzie (Republican–PA)
- 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 (5)
- Donald Norcross (Democrat–NJ)
- Gary J. Palmer (Republican–AL)
- Josh Gottheimer (Democrat–NJ)
- Nanette Diaz Barragán (Democrat–CA)
- Roger Williams (Republican–TX)
Party labels reflect each member’s most recent affiliation on record.