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S.J.Res. 28119th CongressFinance and Financial Sector
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".
Sponsored by Sen. Pete Ricketts (R-NE) · 5 active : 5 Republicans
Latest action: Became Public Law No: 119-11.
Where it standsBecame law7 senators score as swing votes
Became law
- Senate: passedMar 5, 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 (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.
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 PassagePassed219 yea, 211 nayApril 9, 2025 · Roll call 95
| BandBand before the vote | VotedVoted yea or nay | BrokeBroke with party | Share |
|---|---|---|---|
| Swing | 32 | 0 | 0% |
| Middle | 201 | 0 | 0% |
| Entrenched | 188 | 0 | 0% |
| All |
Committees and subjects
Committees
- Senate Committee on Banking, Housing, and Urban Affairs · SenateDischarged from · Referred to
Subjects
- Administrative law and regulatory procedures
- Congressional oversight
- Consumer Financial Protection Bureau
- Consumer affairs
- Internet, web applications, social media
How the Senate breaks down
- 7Swing 70–100
- 61Middle 30–70
- 32Entrenched 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-v2Bars 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 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
5 activeShow all 5 cosponsors
- Ted Budd (R-NC)
- Bill Hagerty (R-TN)
- Jim Banks (R-IN)
- Deb Fischer (R-NE)
- Tim Scott (R-SC)
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.
