HJRES 59 119th Congress House Finance and Financial Sector Administrative law and regulatory procedures Bank accounts, deposits, capital Banking and financial institutions regulation Congressional oversight Consumer Financial Protection Bureau User charges and fees

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

Introduced: February 13, 2025 Introduced by: Hill, J. French Republican · Arkansas See on congress.gov

Everywhere this bill has been 6 steps

Introduced

In committee

Reported out

Passed House

Passed Senate

To President

Became law

Mar 21, 2025

Placed on the Union Calendar, Calendar No. 16.

Mar 21, 2025

Reported by the Committee on Financial Services. H. Rept. 119-26.

Mar 5, 2025

Ordered to be Reported by the Yeas and Nays: 30 - 19.

Mar 5, 2025

Committee Consideration and Mark-up Session Held

Feb 13, 2025

Introduced in House

Feb 13, 2025

Referred to the House Committee on Financial Services.

Ask about this bill AI · grounded in the bill text

Have a question about what this bill does? Ask in plain English; the answer is drawn from the bill's actual text and official record, and it'll tell you when something isn't in the text rather than guess.

AI answers can be imperfect; always confirm against the full bill text.

Plain-English summary Congressional Research Service

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.

What's happening now March 21, 2025

Placed on the Union Calendar, Calendar No. 16.

Hearings & markups 1

Various Measures
Markup Mar 5, 2025 · 10:00 AM EST · Financial Services Committee

Related & companion bills 1

Bill text 2 versions

Introduced in House Formatted Text PDF Formatted XML
Reported in House Formatted Text PDF Formatted XML

Source documents hosted by congress.gov.

Committees of jurisdiction 1

Financial Services Committee
House of Representatives

Lobbying activity 31

Registered lobbyists who named this bill in their disclosure filings. Source: federal Lobbying Disclosure Act filings.

CHAMBER OF COMMERCE OF THE U.S.A.
for CHAMBER OF COMMERCE OF THE U.S.A. · District of Columbia · 1st Quarter (Jan 1 - Mar 31) 2026
GOWEST CREDIT UNION ASSOCIATION
for GOWEST CREDIT UNION ASSOCIATION · Washington · 1st Quarter (Jan 1 - Mar 31) 2026
CHAMBER OF COMMERCE OF THE U.S.A.
for CHAMBER OF COMMERCE OF THE U.S.A. · District of Columbia · 1st Quarter (Jan 1 - Mar 31) 2026
CALIFORNIA AND NEVADA CREDIT UNION LEAGUES
for CALIFORNIA AND NEVADA CREDIT UNION LEAGUES · California · 1st Quarter (Jan 1 - Mar 31) 2026
CONSUMER BANKERS ASSOCIATION
for CONSUMER BANKERS ASSOCIATION · District of Columbia · 1st Quarter (Jan 1 - Mar 31) 2026
CALIFORNIA AND NEVADA CREDIT UNION LEAGUES
for CALIFORNIA AND NEVADA CREDIT UNION LEAGUES · California · 4th Quarter (Oct 1 - Dec 31) 2025

See all 31 filings →

Cosponsors 17

Johnson, Dusty

South Dakota · Mar 14, 2025

Ezell, Mike

Mississippi · Feb 21, 2025

Loudermilk, Barry

Georgia · Feb 21, 2025

Barr, Andy

Kentucky · Feb 13, 2025

Donalds, Byron

Florida · Feb 13, 2025

Downing, Troy

Montana · Feb 13, 2025

Grothman, Glenn

Wisconsin · Feb 13, 2025

Haridopolos, Mike

Florida · Feb 13, 2025

Huizenga, Bill

Michigan · Feb 13, 2025

Meuser, Daniel

Pennsylvania · Feb 13, 2025

Moore, Tim

North Carolina · Feb 13, 2025

Norman, Ralph

South Carolina · Feb 13, 2025

Ogles, Andrew

Tennessee · Feb 13, 2025

Salazar, Maria Elvira

Florida · Feb 13, 2025

Timmons, William R.

South Carolina · Feb 13, 2025

Wagner, Ann

Missouri · Feb 13, 2025

Williams, Roger

Texas · Feb 13, 2025

Cite this page click to expand

APA

U.S. Congress. (2026). H.J. Res. 59: Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".. 119th Congress. Open America. https://openamerica.io/bill/119-HJRES-59/

MLA

"H.J. Res. 59: Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-HJRES-59/.

Bluebook (legal)

H.J. Res. 59, 119th Cong. (2026), https://openamerica.io/bill/119-HJRES-59/.

Markdown link

[H.J. Res. 59: Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".](https://openamerica.io/bill/119-HJRES-59/)