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H.J.Res. 59119th CongressFinance and Financial Sector
Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".
Sponsored by Rep. J. French Hill (R-AR) · 17 active : 17 Republicans
Latest action: Placed on the Union Calendar, Calendar No. 16.
Where it standsBefore the House48 representatives score as swing votes
Hasn’t passed either chamber
- House: next
- Senate: not yet
- President: not yet
Summary
, via Congress.govThis 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.
Committees and subjects
Committees
- House Committee on Financial Services · HouseReported by · Markup by · Referred to
Subjects
- Administrative law and regulatory procedures
- Bank accounts, deposits, capital
- Banking and financial institutions regulation
- Congressional oversight
- Consumer Financial Protection Bureau
- User charges and fees
Model
Directional: count only breaks toward the other partyWhy do scores change?v3default (selected)v2 model swing-v2
How the Senate breaks down
- 8Swing 70–100
- 66Middle 30–70
- 26Entrenched 0–30
Members fall into . All 100 senators have enough data to score. The bill is not before the Senate right now; these scores show where members would stand.
Key players in the Senate
Ranked by swing score, 0–100 · swing-v3Bars show each input from 0 to 100: ideology gap, scorecard gap, , and the . is the seat’s partisan lean, and shows how much of the input data a score has.
Similar past votes, Senate
Earlier behind swing-v3’s inputLoading similar votes
Cosponsors
17 activeShow all 17 cosponsors
- Andrew Ogles (R-TN-5)
- Andy Barr (R-KY-6)
- Ann Wagner (R-MO-2)
- Bill Huizenga (R-MI-4)
- Byron Donalds (R-FL-19)
- Daniel Meuser (R-PA-9)
- Glenn Grothman (R-WI-6)
- Maria Elvira Salazar (R-FL-27)
- Mike Haridopolos (R-FL-8)
- Ralph Norman (R-SC-5)
- Roger Williams (R-TX-25)
- Tim Moore (R-NC-14)
- Troy Downing (R-MT-2)
- William R. Timmons (R-SC-4)
- Barry Loudermilk (R-GA-11)
- Mike Ezell (R-MS-4)
- Dusty Johnson (R-SD-AL)
How the swing score works
Ideology gapHow far a member’s DW-NOMINATE voting score sits from their party’s median in the same chamber.
Scorecard gapHow far their Heritage Action and LCV ratings stray from their party’s average, using the groups’ votes on similar bills where available.
Cross-pressureHow strongly their district or state leans toward the other party, from our own computed partisan lean.
Similar votesHow often they voted against their own party on earlier roll calls about this bill or similar ones.
Committee bonusMembers of the committees handling the bill decide whether it moves, so they get a boost.
Cosponsor checkThe sponsor and active cosponsors have already committed, so they drop toward entrenched.
