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S.J.Res. 18119th CongressFinance and Financial Sector
A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".
Sponsored by Sen. Tim Scott (R-SC) · 16 active : 16 Republicans
Latest action: Became Public Law No: 119-10.
Where it standsBecame law11 senators score as swing votes
Became law
- Senate: passedMar 27, 2025
- House: passedApr 9, 2025
- President: Signed into lawMay 9, 2025
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.
How the projections held up
Each member’s recorded vote compared with their swing projection from before the vote. A member by voting against most of their own party.
House
On PassagePassed217 yea, 211 nayApril 9, 2025 · Roll call 96
| BandBand before the vote | VotedVoted yea or nay | BrokeBroke with party | Share |
|---|---|---|---|
| Swing | 47 | 0 | 0% |
| Middle | 170 | 0 | 0% |
| Entrenched | 134 | 0 | 0% |
| Insufficient data |
Committees and subjects
Committees
- Senate Committee on Banking, Housing, and Urban Affairs · SenateDischarged from · 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
- 11Swing 70–100
- 56Middle 30–70
- 33Entrenched 0–30
Members fall into . All 100 senators have enough data to score.
Key players in the Senate
Ranked by swing score, 0–100 · swing-v3, directional: only movement toward the other party counts, so members who sit further from the center than their party no longer score as swing votes.
Bars 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. Where the Senate has voted, each member’s appears with the projection made before it.
Similar past votes, Senate
Earlier behind swing-v3’s inputLoading similar votes
Cosponsors
16 activeShow all 16 cosponsors
- Bernie Moreno (R-OH)
- Bill Hagerty (R-TN)
- Cynthia M. Lummis (R-WY)
- James E. Risch (R-ID)
- Jerry Moran (R-KS)
- John Boozman (R-AR)
- Katie Boyd Britt (R-AL)
- Kevin Cramer (R-ND)
- Mike Crapo (R-ID)
- Mike Rounds (R-SD)
- Pete Ricketts (R-NE)
- Roger F. Wicker (R-MS)
- Thomas Tillis (R-NC)
- Mike Lee (R-UT)
- Steve Daines (R-MT)
- John Thune (R-SD)
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.
