S.J.Res. 18 · 119th Congress · 2025–2026
A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".
S.J.Res. 18 in the 119th Congress (2025–2026) became law — introduced on Feb 13, 2025, sponsored by Tim Scott with 16 co-sponsors. Congress held 3 roll call votes on it.
During the 119th Congress (2025–2026), Donald Trump was president, and Republicans held majorities in both the House and Senate.
- Status
- Became law
- Introduced
- Feb 13, 2025
- Co-sponsors
- 16
- Policy area
- Finance and Financial Sector
- Public law
- Public Law 119-10
- Groups that lobbied
- 7
What it does
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.
Summary by the nonpartisan Congressional Research Service.
Sponsor
Tim Scott (R-SC). Co-sponsors: 16 Republicans.
Where it stands
- IntroducedFeb 13, 2025
- Passed the SenateMar 27, 2025
- Passed the HouseApr 9, 2025
- Sent to the PresidentMay 5, 2025
- Became lawMay 9, 2025
Latest action: Became Public Law No: 119-10. (May 9, 2025)
How Congress voted
- On Passage
House · Apr 9, 2025 · Passed217–211 - On the Joint Resolution
Senate · Mar 27, 2025 · Joint Resolution Passed52–48 - On the Motion to Proceed
Senate · Mar 26, 2025 · Motion to Proceed Agreed to52–47
Every roll call vote on this bill
- A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating…Senate · Mar 26, 2025
- A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating…Senate · Mar 27, 2025
- Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to “Overdraft…House · Apr 9, 2025
More bills from Tim Scott in the 119th Congress
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- S. 5096: Support for Expectant and Parenting Foster Youth Act
- S. 5527: Birth Tourism Elimination Act
- S. 5551: Critical Mineral Executive Coordination Act of 2026
- S. 5552: Motion Picture, Television, and Entertainment Revitalization Act
- S. 5641: Opportunities for Nuclear Energy Investment Act
Other Finance and Financial Sector bills in the 119th Congress
- S.J.Res. 28: A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection…
- S.J.Res. 13: A joint resolution providing for congressional disapproval under chapter 8 of title 5, United…
- S. 1582: Guiding and Establishing National Innovation for U.S. Stablecoins Act
- H.R. 2808: Homebuyers Privacy Protection Act
- S. 3424: Bankruptcy Administration Improvement Act of 2025
- S. 100: Repealing Big Brother Overreach Act
- S.J.Res. 141: A joint resolution providing for congressional disapproval under chapter 8 of title 5, United…
- H.J.Res. 160: Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the…
- H.J.Res. 161: Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the…
- H.J.Res. 162: Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the…
Who lobbied on it
7 organizations named this bill in lobbying reports (Jul 2025 – Sep 2026). Biggest spenders among them:
Committees
More
From GovInfo bill records, Congressional Research Service summaries, Voteview roll calls and lobbying reports.
Cite or embed this page
Capitol Receipts, “S.J.Res. 18 (119th Congress): A joint resolution disapproving the…,” https://www.capitolreceipts.com/bill/119-sjres-18/a-joint-resolution-disapproving-the-rule-submitted-by-the (accessed 2026-10-17).