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HJRES 59
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Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".

H. J. RES. 59 Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to ``Overdraft Lending: Very Large Financial Institutions''.

Introduced Feb 13, 2025

Latest action (Mar 21, 2025) Placed on the Union Calendar, Calendar No. 16.

Referred to
Financial Services Committee
Policy area
Finance and Financial Sector
Issues
Economy & Taxes
Legislative subjects (6)
Administrative law and regulatory proceduresBank accounts, deposits, capitalBanking and financial institutions regulationCongressional oversightConsumer Financial Protection BureauUser charges and fees

Summary
  • Disapproves the Bureau of Consumer Financial Protection's final rule relating to "Overdraft Lending: Very Large Financial Institutions".
  • Declares that the disapproved rule shall have no force or effect.
  • Applies the Congressional Review Act disapproval process to the rule published on December 30, 2024.

AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.

Sponsor (1)
17 cosponsors

Money behind the sponsor

Top reported contributors to J. French Hill’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.

  • NULL $33,405
  • KKR $29,700
  • COINBASE $28,900
  • BNY MELLON $28,100
  • STEPHENS INC. $27,250

Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for J. French Hill → · Outside spending →

Actions (6)
  1. Mar 21, 2025 Placed on the Union Calendar, Calendar No. 16. · house
  2. Mar 21, 2025 Reported by the Committee on Financial Services. H. Rept. 119-26. · house
  3. Mar 5, 2025 Ordered to be Reported by the Yeas and Nays: 30 - 19. · house
  4. Mar 5, 2025 Committee Consideration and Mark-up Session Held · house
  5. Feb 13, 2025 Referred to the House Committee on Financial Services. · house
  6. Feb 13, 2025 Introduced in House

More bills on these subjects (8)

Other bills that carry the most legislative subjects in common with this one (topical discovery — distinct from the procedural related bills above).

  • SJRES 18 — A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions". (shares 6 subjects)
  • SJRES 130 — A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to withdrawal of the rule relating to "Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-In Practices". (shares 5 subjects)
  • HRES 1299 — Providing for the concurrence by the House in the Senate amendment to H.R. 6644, with amendment. (shares 4 subjects)
  • HR 7314 — Advancing Commonsense Policies Act (shares 4 subjects)
  • HR 6547 — Least Cost Exception Act (shares 4 subjects)
  • S 1582 — GENIUS Act (shares 4 subjects)
  • HR 478 — Promoting New Bank Formation Act (shares 4 subjects)
  • HR 185 — Responsible Legislating Act (shares 4 subjects)

Similar bills (6)

Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.

  • HJRES 64 — 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". · Introduced Feb 27, 2025 · Cong. 119 72%
  • HJRES 169 — Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-In Practices". · Introduced Apr 30, 2026 · Cong. 119 67%
  • HJRES 74 — Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)". · Introduced Mar 6, 2025 · Cong. 119 66%
  • SJRES 130 — A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to withdrawal of the rule relating to "Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-In Practices". · Introduced May 13, 2026 · Cong. 119 61%
  • HJRES 163 — Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Application of Regulation Z's Ability-To-Repay Rule to Certain Situations Involving Successors-In-Interest". · Introduced Apr 30, 2026 · Cong. 119 60%
  • HJRES 181 — Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Consumer Financial Protection Circular 2022-07: Reasonable Investigation of Consumer Reporting Disputes". · Introduced May 11, 2026 · Cong. 119 59%

Text versions (2)
  • Reported in House · Mar 21, 2025
  • Introduced in House · Feb 13, 2025

Full text

IN THE HOUSE OF REPRESENTATIVES

February 13, 2025

Mr. Hill of Arkansas (for himself, Mr. Meuser, Mr. Ogles, Mrs. Wagner, Mr. Huizenga, Mr. Timmons, Mr. Moore of North Carolina, Mr. Haridopolos, Mr. Barr, Mr. Williams of Texas, Mr. Donalds, Ms. Salazar, Mr. Downing, Mr. Norman, and Mr. Grothman) submitted the following joint resolution; which was referred to the Committee on Financial Services

March 21, 2025

Additional sponsors: Mr. Ezell, Mr. Loudermilk, and Mr. Johnson of South Dakota

March 21, 2025

Committed to the Committee of the Whole House on the State of the Union and ordered to be printed

JOINT RESOLUTION

Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to “Overdraft Lending: Very Large Financial Institutions”.

Resolved by the Senate and House of Representatives of the United States of America in Congress assembled, That Congress disapproves the final rule submitted by the Bureau of Consumer Financial Protection relating to “Overdraft Lending: Very Large Financial Institutions” (89 Fed. Reg. 106768 (December 30, 2024)), and such rule shall have no force or effect. Union Calendar No. 16

119th CONGRESS

1st Session

H. J. RES. 59

[Report No. 119-26]

JOINT RESOLUTION

Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to “Overdraft Lending: Very Large Financial Institutions”.

March 21, 2025

Committed to the Committee of the Whole House on the State of the Union and ordered to be printed

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