A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to…

Full title

A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".

Law · 119-10 · May 9, 2025

Key: what the circles and colors mean

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IntroducedPassed one chamberPassed both chambersBecame law (gold)Resolution agreed to (full, dark)Failed or vetoed (gray)

Under the number: the Yea · Nay count of its final (or latest) recorded vote. On a member's page, the small badge is how that member voted: Y Yea / Aye, N Nay / No, P Present, – Not voting.

Gold and violet are only for Yea and Nay; they never mean a party. A member's party is the letter on their photo.

R ScottSponsor

16 cosponsors · 16 R

13 signed on when it was introduced; the rest joined later. Cosponsors who withdrew aren't shown.

Senate Introduced Feb 13, 2025
Senate Passed Mar 27, 2025 52–48
House Passed Apr 9, 2025 217–211
President To the President May 5, 2025
President Signed May 9, 2025
Law May 9, 2025

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.

What it does: CRS summary · Public Law · May 9, 2025

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.

Written by the nonpartisan Congressional Research Service. All summary versions on Congress.gov

Votes to become law

Senate · Joint Resolution Passed Mar 27, 2025 · 52 Yea – 48 Nay Passage Majority Leader: John Thune House · Passed Apr 9, 2025 · 217 Yea – 211 Nay Passage Speaker: Mike Johnson

About this bill and sources

Official title: A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".

Member	Party at vote	Seat	Position
Nicholas Begich	R	AK-AL	Yea
Barry Moore	R	AL-1	Yea
Shomari Figures	D	AL-2	Nay
Mike Rogers	R	AL-3	Yea
Robert Aderholt	R	AL-4	Yea
Dale Strong	R	AL-5	Yea
Gary Palmer	R	AL-6	Not Voting
Terri Sewell	D	AL-7	Nay
Rick Crawford	R	AR-1	Yea
J. Hill	R	AR-2	Yea
Steve Womack	R	AR-3	Yea
Bruce Westerman	R	AR-4	Yea
David Schweikert	R	AZ-1	Yea
Eli Crane	R	AZ-2	Yea
Yassamin Ansari	D	AZ-3	Nay
Greg Stanton	D	AZ-4	Nay
Andy Biggs	R	AZ-5	Yea
Juan Ciscomani	R	AZ-6	Yea
Abraham Hamadeh	R	AZ-8	Yea
Paul Gosar	R	AZ-9	Yea
Doug LaMalfa	R	CA-1	Yea
Mark DeSaulnier	D	CA-10	Nay
Nancy Pelosi	D	CA-11	Nay
Lateefah Simon	D	CA-12	Nay
Adam Gray	D	CA-13	Nay
Eric Swalwell	D	CA-14	Nay
Kevin Mullin	D	CA-15	Nay
Sam Liccardo	D	CA-16	Nay
Ro Khanna	D	CA-17	Nay
Zoe Lofgren	D	CA-18	Nay
Jimmy Panetta	D	CA-19	Nay
Jared Huffman	D	CA-2	Nay
Vince Fong	R	CA-20	Yea
Jim Costa	D	CA-21	Nay
David Valadao	R	CA-22	Yea
Jay Obernolte	R	CA-23	Yea
Salud Carbajal	D	CA-24	Nay
Raul Ruiz	D	CA-25	Nay
Julia Brownley	D	CA-26	Nay
George Whitesides	D	CA-27	Nay
Judy Chu	D	CA-28	Nay
Luz Rivas	D	CA-29	Nay
Kevin Kiley	R	CA-3	Yea
Laura Friedman	D	CA-30	Nay
Gilbert Cisneros	D	CA-31	Nay
Brad Sherman	D	CA-32	Nay
Pete Aguilar	D	CA-33	Nay
Jimmy Gomez	D	CA-34	Nay
Norma Torres	D	CA-35	Nay
Ted Lieu	D	CA-36	Nay
Sydney Kamlager-Dove	D	CA-37	Nay
Linda Sánchez	D	CA-38	Nay
Mark Takano	D	CA-39	Nay
Mike Thompson	D	CA-4	Nay
Young Kim	R	CA-40	Yea
Ken Calvert	R	CA-41	Yea
Robert Garcia	D	CA-42	Nay
Maxine Waters	D	CA-43	Nay
Nanette Barragán	D	CA-44	Not Voting
Derek Tran	D	CA-45	Nay
J. Correa	D	CA-46	Nay
Dave Min	D	CA-47	Nay
Darrell Issa	R	CA-48	Yea
Mike Levin	D	CA-49	Nay
Tom McClintock	R	CA-5	Yea
Scott Peters	D	CA-50	Nay
Sara Jacobs	D	CA-51	Nay
Juan Vargas	D	CA-52	Nay
Ami Bera	D	CA-6	Nay
Doris Matsui	D	CA-7	Nay
John Garamendi	D	CA-8	Nay
Josh Harder	D	CA-9	Nay
Diana DeGette	D	CO-1	Nay
Joe Neguse	D	CO-2	Nay
Jeff Hurd	R	CO-3	Yea
Lauren Boebert	R	CO-4	Yea
Jeff Crank	R	CO-5	Yea
Jason Crow	D	CO-6	Nay
Brittany Pettersen	D	CO-7	Nay
Gabe Evans	R	CO-8	Yea
John Larson	D	CT-1	Nay
Joe Courtney	D	CT-2	Nay
Rosa DeLauro	D	CT-3	Nay
Jim Himes	D	CT-4	Nay
Jahana Hayes	D	CT-5	Nay
Sarah McBride	D	DE-AL	Nay
Jimmy Patronis	R	FL-1	Yea
Maxwell Frost	D	FL-10	Nay
Daniel Webster	R	FL-11	Yea
Gus Bilirakis	R	FL-12	Yea
Anna Luna	R	FL-13	Yea
Kathy Castor	D	FL-14	Nay
Laurel Lee	R	FL-15	Yea
Vern Buchanan	R	FL-16	Yea
W. Steube	R	FL-17	Yea
C. Franklin	R	FL-18	Yea
Byron Donalds	R	FL-19	Yea
Neal Dunn	R	FL-2	Yea
Sheila Cherfilus-McCormick	D	FL-20	Nay
Brian Mast	R	FL-21	Yea
Lois Frankel	D	FL-22	Nay
Jared Moskowitz	D	FL-23	Nay
Frederica Wilson	D	FL-24	Nay
Debbie Wasserman Schultz	D	FL-25	Nay
Mario Diaz-Balart	R	FL-26	Yea
Maria Salazar	R	FL-27	Yea
Carlos Gimenez	R	FL-28	Yea
Kat Cammack	R	FL-3	Yea
Aaron Bean	R	FL-4	Yea
John Rutherford	R	FL-5	Yea
Randy Fine	R	FL-6	Yea
Cory Mills	R	FL-7	Yea
Mike Haridopolos	R	FL-8	Yea
Darren Soto	D	FL-9	Nay
Buddy Carter	R	GA-1	Yea
Mike Collins	R	GA-10	Yea
Barry Loudermilk	R	GA-11	Yea
Rick Allen	R	GA-12	Yea
David Scott	D	GA-13	Nay
Marjorie Greene	R	GA-14	Yea
Sanford Bishop	D	GA-2	Nay
Brian Jack	R	GA-3	Yea
Hank Johnson	D	GA-4	Nay
Nikema Williams	D	GA-5	Nay
Lucy McBath	D	GA-6	Nay
Rich McCormick	R	GA-7	Yea
Austin Scott	R	GA-8	Yea
Andrew Clyde	R	GA-9	Yea
Ed Case	D	HI-1	Nay
Jill Tokuda	D	HI-2	Nay
Mariannette Miller-Meeks	R	IA-1	Yea
Ashley Hinson	R	IA-2	Yea
Zachary (Zach) Nunn	R	IA-3	Yea
Randy Feenstra	R	IA-4	Yea
Russ Fulcher	R	ID-1	Yea
Mike Simpson	R	ID-2	Yea
Jonathan Jackson	D	IL-1	Nay
Brad Schneider	D	IL-10	Nay
Bill Foster	D	IL-11	Nay
Mike Bost	R	IL-12	Yea
Nicole (Nikki) Budzinski	D	IL-13	Nay
Lauren Underwood	D	IL-14	Nay
Mary Miller	R	IL-15	Yea
Darin LaHood	R	IL-16	Yea
Eric Sorensen	D	IL-17	Nay
Robin Kelly	D	IL-2	Nay
Delia Ramirez	D	IL-3	Nay
Chuy García	D	IL-4	Nay
Mike Quigley	D	IL-5	Nay
Sean Casten	D	IL-6	Nay
Danny Davis	D	IL-7	Nay
Raja Krishnamoorthi	D	IL-8	Nay
Jan Schakowsky	D	IL-9	Nay
Frank Mrvan	D	IN-1	Nay
Rudy Yakym	R	IN-2	Yea
Marlin Stutzman	R	IN-3	Yea
James Baird	R	IN-4	Yea
Victoria Spartz	R	IN-5	Yea
Jefferson Shreve	R	IN-6	Yea
André Carson	D	IN-7	Nay
Mark Messmer	R	IN-8	Yea
Erin Houchin	R	IN-9	Yea
Tracey Mann	R	KS-1	Yea
Derek Schmidt	R	KS-2	Yea
Sharice Davids	D	KS-3	Nay
Ron Estes	R	KS-4	Yea
James Comer	R	KY-1	Yea
Brett Guthrie	R	KY-2	Yea
Morgan McGarvey	D	KY-3	Nay
Thomas Massie	R	KY-4	Yea
Hal Rogers	R	KY-5	Yea
Andy Barr	R	KY-6	Yea
Steve Scalise	R	LA-1	Yea
Troy Carter	D	LA-2	Nay
Clay Higgins	R	LA-3	Yea
Mike Johnson	R	LA-4	Yea
Julia Letlow	R	LA-5	Yea
Cleo Fields	D	LA-6	Nay
Richard Neal	D	MA-1	Nay
Jim McGovern	D	MA-2	Nay
Lori Trahan	D	MA-3	Nay
Jake Auchincloss	D	MA-4	Nay
Katherine Clark	D	MA-5	Nay
Seth Moulton	D	MA-6	Nay
Ayanna Pressley	D	MA-7	Nay
Stephen Lynch	D	MA-8	Nay
William Keating	D	MA-9	Nay
Andy Harris	R	MD-1	Yea
Johnny Olszewski	D	MD-2	Nay
Sarah Elfreth	D	MD-3	Nay
Glenn Ivey	D	MD-4	Nay
Steny Hoyer	D	MD-5	Nay
April McClain Delaney	D	MD-6	Nay
Kweisi Mfume	D	MD-7	Nay
Jamie Raskin	D	MD-8	Nay
Chellie Pingree	D	ME-1	Nay
Jared Golden	D	ME-2	Nay
Jack Bergman	R	MI-1	Yea
John James	R	MI-10	Yea
Haley Stevens	D	MI-11	Nay
Rashida Tlaib	D	MI-12	Nay
Shri Thanedar	D	MI-13	Nay
John Moolenaar	R	MI-2	Yea
Hillary Scholten	D	MI-3	Nay
Bill Huizenga	R	MI-4	Yea
Tim Walberg	R	MI-5	Yea
Debbie Dingell	D	MI-6	Nay
Tom Barrett	R	MI-7	Yea
Kristen McDonald Rivet	D	MI-8	Nay
Lisa McClain	R	MI-9	Yea
Brad Finstad	R	MN-1	Yea
Angie Craig	D	MN-2	Nay
Kelly Morrison	D	MN-3	Nay
Betty McCollum	D	MN-4	Nay
Ilhan Omar	D	MN-5	Nay
Tom Emmer	R	MN-6	Yea
Michelle Fischbach	R	MN-7	Yea
Pete Stauber	R	MN-8	Yea
Wesley Bell	D	MO-1	Nay
Ann Wagner	R	MO-2	Yea
Robert Onder	R	MO-3	Yea
Mark Alford	R	MO-4	Yea
Emanuel Cleaver	D	MO-5	Nay
Sam Graves	R	MO-6	Yea
Eric Burlison	R	MO-7	Yea
Jason Smith	R	MO-8	Yea
Trent Kelly	R	MS-1	Yea
Bennie Thompson	D	MS-2	Nay
Michael Guest	R	MS-3	Yea
Mike Ezell	R	MS-4	Yea
Ryan Zinke	R	MT-1	Yea
Troy Downing	R	MT-2	Yea
Donald Davis	D	NC-1	Nay
Pat Harrigan	R	NC-10	Yea
Charles (Chuck) Edwards	R	NC-11	Yea
Alma Adams	D	NC-12	Nay
Brad Knott	R	NC-13	Yea
Tim Moore	R	NC-14	Yea
Deborah Ross	D	NC-2	Nay
Gregory Murphy	R	NC-3	Yea
Valerie Foushee	D	NC-4	Nay
Virginia Foxx	R	NC-5	Yea
Addison McDowell	R	NC-6	Yea
David Rouzer	R	NC-7	Yea
Mark Harris	R	NC-8	Yea
Richard Hudson	R	NC-9	Yea
Julie Fedorchak	R	ND-AL	Yea
Mike Flood	R	NE-1	Yea
Don Bacon	R	NE-2	Yea
Adrian Smith	R	NE-3	Yea
Chris Pappas	D	NH-1	Nay
Maggie Goodlander	D	NH-2	Nay
Donald Norcross	D	NJ-1	Not Voting
LaMonica McIver	D	NJ-10	Nay
Mikie Sherrill	D	NJ-11	Nay
Bonnie Watson Coleman	D	NJ-12	Nay
Jefferson Van Drew	R	NJ-2	Yea
Herbert Conaway	D	NJ-3	Nay
Chris Smith	R	NJ-4	Yea
Josh Gottheimer	D	NJ-5	Not Voting
Frank Pallone	D	NJ-6	Nay
Thomas Kean	R	NJ-7	Yea
Robert Menendez	D	NJ-8	Nay
Nellie Pou	D	NJ-9	Nay
Melanie Stansbury	D	NM-1	Nay
Gabriel (Gabe) Vasquez	D	NM-2	Nay
Teresa Leger Fernandez	D	NM-3	Nay
Dina Titus	D	NV-1	Nay
Mark Amodei	R	NV-2	Yea
Susie Lee	D	NV-3	Nay
Steven Horsford	D	NV-4	Nay
Nicolas LaLota	R	NY-1	Yea
Dan Goldman	D	NY-10	Nay
Nicole Malliotakis	R	NY-11	Yea
Jerrold Nadler	D	NY-12	Nay
Adriano Espaillat	D	NY-13	Nay
Alexandria Ocasio-Cortez	D	NY-14	Nay
Ritchie Torres	D	NY-15	Nay
George Latimer	D	NY-16	Nay
Michael Lawler	R	NY-17	Yea
Patrick Ryan	D	NY-18	Nay
Josh Riley	D	NY-19	Nay
Andrew Garbarino	R	NY-2	Yea
Paul Tonko	D	NY-20	Nay
Elise Stefanik	R	NY-21	Yea
John Mannion	D	NY-22	Nay
Nicholas Langworthy	R	NY-23	Yea
Claudia Tenney	R	NY-24	Yea
Joseph Morelle	D	NY-25	Nay
Timothy Kennedy	D	NY-26	Nay
Thomas Suozzi	D	NY-3	Nay
Laura Gillen	D	NY-4	Nay
Gregory Meeks	D	NY-5	Nay
Grace Meng	D	NY-6	Nay
Nydia Velázquez	D	NY-7	Nay
Hakeem Jeffries	D	NY-8	Nay
Yvette Clarke	D	NY-9	Nay
Greg Landsman	D	OH-1	Nay
Michael Turner	R	OH-10	Yea
Shontel Brown	D	OH-11	Nay
Troy Balderson	R	OH-12	Yea
Emilia Sykes	D	OH-13	Nay
David Joyce	R	OH-14	Yea
Mike Carey	R	OH-15	Yea
David Taylor	R	OH-2	Yea
Joyce Beatty	D	OH-3	Nay
Jim Jordan	R	OH-4	Yea
Robert Latta	R	OH-5	Yea
Michael Rulli	R	OH-6	Yea
Max Miller	R	OH-7	Yea
Warren Davidson	R	OH-8	Yea
Marcy Kaptur	D	OH-9	Nay
Kevin Hern	R	OK-1	Yea
Josh Brecheen	R	OK-2	Yea
Frank Lucas	R	OK-3	Yea
Tom Cole	R	OK-4	Yea
Stephanie Bice	R	OK-5	Yea
Suzanne Bonamici	D	OR-1	Nay
Cliff Bentz	R	OR-2	Yea
Maxine Dexter	D	OR-3	Nay
Valerie Hoyle	D	OR-4	Nay
Janelle Bynum	D	OR-5	Nay
Andrea Salinas	D	OR-6	Nay
Brian Fitzpatrick	R	PA-1	Yea
Scott Perry	R	PA-10	Yea
Lloyd Smucker	R	PA-11	Yea
Summer Lee	D	PA-12	Nay
John Joyce	R	PA-13	Yea
Guy Reschenthaler	R	PA-14	Yea
Glenn Thompson	R	PA-15	Yea
Mike Kelly	R	PA-16	Yea
Chris Deluzio	D	PA-17	Nay
Brendan Boyle	D	PA-2	Nay
Dwight Evans	D	PA-3	Nay
Madeleine Dean	D	PA-4	Nay
Mary Scanlon	D	PA-5	Nay
Chrissy Houlahan	D	PA-6	Nay
Ryan Mackenzie	R	PA-7	Nay
Robert Bresnahan	R	PA-8	Yea
Daniel Meuser	R	PA-9	Yea
Gabe Amo	D	RI-1	Nay
Seth Magaziner	D	RI-2	Nay
Nancy Mace	R	SC-1	Yea
Joe Wilson	R	SC-2	Yea
Sheri Biggs	R	SC-3	Yea
William Timmons	R	SC-4	Yea
Ralph Norman	R	SC-5	Yea
Jim Clyburn	D	SC-6	Nay
Russell Fry	R	SC-7	Yea
Dusty Johnson	R	SD-AL	Yea
Diana Harshbarger	R	TN-1	Yea
Tim Burchett	R	TN-2	Yea
Chuck Fleischmann	R	TN-3	Yea
Scott DesJarlais	R	TN-4	Yea
Andrew Ogles	R	TN-5	Yea
John Rose	R	TN-6	Yea
Mark Green	R	TN-7	Yea
David Kustoff	R	TN-8	Yea
Steve Cohen	D	TN-9	Nay
Nathaniel Moran	R	TX-1	Yea
Michael McCaul	R	TX-10	Yea
August Pfluger	R	TX-11	Yea
Craig Goldman	R	TX-12	Yea
Ronny Jackson	R	TX-13	Yea
Randy Weber	R	TX-14	Yea
Mónica De La Cruz	R	TX-15	Yea
Veronica Escobar	D	TX-16	Nay
Pete Sessions	R	TX-17	Yea
Jodey Arrington	R	TX-19	Yea
Dan Crenshaw	R	TX-2	Yea
Joaquin Castro	D	TX-20	Nay
Chip Roy	R	TX-21	Yea
Troy Nehls	R	TX-22	Yea
Tony Gonzales	R	TX-23	Yea
Beth Van Duyne	R	TX-24	Yea
Roger Williams	R	TX-25	Not Voting
Brandon Gill	R	TX-26	Yea
Michael Cloud	R	TX-27	Yea
Henry Cuellar	D	TX-28	Nay
Sylvia Garcia	D	TX-29	Nay
Keith Self	R	TX-3	Yea
Jasmine Crockett	D	TX-30	Nay
John Carter	R	TX-31	Yea
Julie Johnson	D	TX-32	Nay
Marc Veasey	D	TX-33	Nay
Vicente Gonzalez	D	TX-34	Nay
Gregorio Casar	D	TX-35	Nay
Brian Babin	R	TX-36	Yea
Lloyd Doggett	D	TX-37	Nay
Wesley Hunt	R	TX-38	Yea
Pat Fallon	R	TX-4	Yea
Lance Gooden	R	TX-5	Yea
Jake Ellzey	R	TX-6	Yea
Lizzie Fletcher	D	TX-7	Nay
Morgan Luttrell	R	TX-8	Yea
Al Green	D	TX-9	Nay
Blake Moore	R	UT-1	Yea
Celeste Maloy	R	UT-2	Yea
Mike Kennedy	R	UT-3	Yea
Burgess Owens	R	UT-4	Yea
Robert Wittman	R	VA-1	Yea
Suhas Subramanyam	D	VA-10	Nay
Gerald Connolly	D	VA-11	Nay
Jennifer Kiggans	R	VA-2	Yea
Bobby Scott	D	VA-3	Nay
Jennifer McClellan	D	VA-4	Nay
John McGuire	R	VA-5	Yea
Ben Cline	R	VA-6	Yea
Eugene Vindman	D	VA-7	Nay
Donald Beyer	D	VA-8	Nay
H. Griffith	R	VA-9	Yea
Becca Balint	D	VT-AL	Nay
Suzan DelBene	D	WA-1	Nay
Marilyn Strickland	D	WA-10	Nay
Rick Larsen	D	WA-2	Nay
Marie Gluesenkamp Perez	D	WA-3	Nay
Dan Newhouse	R	WA-4	Yea
Michael Baumgartner	R	WA-5	Yea
Emily Randall	D	WA-6	Nay
Pramila Jayapal	D	WA-7	Nay
Kim Schrier	D	WA-8	Nay
Adam Smith	D	WA-9	Nay
Bryan Steil	R	WI-1	Yea
Mark Pocan	D	WI-2	Nay
Derrick Van Orden	R	WI-3	Yea
Gwen Moore	D	WI-4	Nay
Scott Fitzgerald	R	WI-5	Yea
Glenn Grothman	R	WI-6	Yea
Thomas Tiffany	R	WI-7	Yea
Tony Wied	R	WI-8	Yea
Carol Miller	R	WV-1	Yea
Riley Moore	R	WV-2	Yea
Harriet Hageman	R	WY-AL	Yea

A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to…

Votes to become law

Final vote · House · Apr 9, 2025