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Sponsored by Sen. Tim Scott (R-SC) · 16 active : 16 Republicans
Latest action: Became Public Law No: 119-10.
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.
Each member’s recorded vote compared with their swing projection from before the vote. A member by voting against most of their own party.
| BandBand before the vote | VotedVoted yea or nay | BrokeBroke with party | Share |
|---|---|---|---|
| Swing | 31 | 0 | 0% |
| Middle | 200 | 1 | 1% |
| Entrenched | 188 | 0 | 0% |
| All |
Members fall into . 2 representatives don’t have enough data yet and are marked “insufficient data”. Non-voting delegates are not counted. The bill is not before the House right now; these scores show where members would stand.
Bars show each input from 0 to 100: ideology gap, scorecard gap, . is the seat’s partisan lean, and shows how much of the input data a score has. Where the House has voted, each member’s appears with the projection made before it.
Loading similar votes
| 419 |
| 1 |
| 0% |
: Pair any member who broke with one who stayed with their party: in 92% of those pairs, the one who broke had the higher swing score before the vote. Chance would be 50%.
Projections from swing-v2, computed with data from before the vote. Present and not voting never count as breaking.
| BandBand before the vote | VotedVoted yea or nay | BrokeBroke with party | Share |
|---|---|---|---|
| Swing | 4 | 0 | 0% |
| Middle | 54 | 1 | 2% |
| Entrenched | 40 | 0 | 0% |
| All voting members | 98 | 1 | 1% |
: Pair any member who broke with one who stayed with their party: in 81% of those pairs, the one who broke had the higher swing score before the vote. Chance would be 50%.
Projections from swing-v2, computed with data from before the vote. Present and not voting never count as breaking.
These members have less than half of the model’s inputs, so their scores are not banded or ranked.
Ringed dots broke with their party on the vote.
Ideology is each member’s score. The most moderate members of each party sit nearest the center line and highest on the chart. 2 representatives without a DW-NOMINATE score or with insufficient data are not plotted.
Similar votes count toward swing-v3 in the House: total similarity weight 25.0 (needs 5.0).
