All recent votes 119th CongressHouse and Senate

S.J.Res. 18A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".

3 recorded actionsWhat the measure does Read on Congress.gov

Sponsor: Tim Scott [R-SC]
Cosponsors: 16 · 16 Republicans
Policy area: Finance and Financial Sector
Committee: Banking, Housing, and Urban Affairs Committee
Latest action: May 9, 2025 · Became Public Law No: 119-10.

IntroducedFeb 13, 2025
Passed the SenateMar 27, 2025
Passed the HouseApr 9, 2025
Sent to the PresidentMay 5, 2025
Became lawMay 9, 2025

What the measure doesCRS summary

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, describing S.J.Res. 18 as public Law on May 9, 2025. It is not the text of the measure; a later amendment may have changed what it does.

Roll calls on S.J.Res. 183 roll calls on this measure

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Mar 26, 2025Each bar: ✓ Yea from the bottom, ✕ Nay aboveApr 9, 2025

How every member votedHouse roll call 96

House Apr 9, 2025 · the primary vote

On Passage

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

Passed

217 Yea 211 Nay 5 not voting

Party-line vote 1 of 428 voting members broke with their own party: 1 Republican.

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How the chamber split

One dot per member. Select a seat or a bar to filter the list.

DemocratsIndependentsRepublicansFilled: YeaRing: NayGrey: not voting or present

By party select a segment to filter

All members433 members

Democratic213 members

Independent1 member

Republican219 members

marks half of the votes cast. A party’s majority is the side most of its voting members took.

Cosponsors16 · 16 Republicans

Signing on is not a vote: a member can cosponsor S.J.Res. 18 and vote against it. 13 signed when it was filed.

Loading the public record

Who lobbied on S.J.Res. 1823 organizations

Organizations that named S.J.Res. 18 in a lobbying disclosure. Only those that cited the bill by number appear, so this is a floor, not a full list.

CHAMBER OF COMMERCE OF THE U.S.A.

Environment/Superfund · Financial Institutions/Investments/Securities · Foreign Relations · Government Issues +31 more8 filings · 3rd Quarter (July 1 - Sep 30) 2026Filing

NEW YORK BANKERS ASSOCIATIONIts PAC: New York Bankers Association PAC

Banking8 filings · 3rd Quarter (July 1 - Sep 30) 2026Filing

BANK POLICY INSTITUTEIts PAC: Bank Policy Institute PAC

Financial Institutions/Investments/Securities · Science/Technology · Banking7 filings · 3rd Quarter (July 1 - Sep 30) 2026Filing

CALIFORNIA AND NEVADA CREDIT UNION LEAGUES

Budget/Appropriations · Banking · Taxation/Internal Revenue Code · Financial Institutions/Investments/Securities7 filings · 3rd Quarter (July 1 - Sep 30) 2026Filing

CONSUMER BANKERS ASSOCIATIONIts PAC: Consumer Bankers Association PAC

Banking7 filings · 3rd Quarter (July 1 - Sep 30) 2026Filing

GOWEST CREDIT UNION ASSOCIATION

Financial Institutions/Investments/Securities · Taxation/Internal Revenue Code · Small Business · Veterans +3 more7 filings · 3rd Quarter (July 1 - Sep 30) 2026Filing

INDEPENDENT COMMUNITY BANKERS OF AMERICAIts PAC: Independent Community Bankers of America PAC

Agriculture · Banking · Budget/Appropriations · Housing +1 more4 filings · 3rd Quarter (July 1 - Sep 30) 2025Filing

AMAZON.COM SERVICES LLCIts PAC: AMAZON.COM Services LLC Separate Segregated Fund

Telecommunications · Copyright/Patent/Trademark · Taxation/Internal Revenue Code · Consumer Issues/Safety/Products +18 more3 filings · 2nd Quarter (Apr 1 - June 30) 2025Filing

AMERICAN BANKERS ASSOCIATIONIts PAC: American Bankers Association PAC

Budget/Appropriations · Copyright/Patent/Trademark · Financial Institutions/Investments/Securities · Government Issues +13 more3 filings · 3rd Quarter (July 1 - Sep 30) 2025Filing

AMERICANS FOR TAX REFORM

Banking · Budget/Appropriations · Taxation/Internal Revenue Code · Telecommunications +3 more3 filings · 4th Quarter (Oct 1 - Dec 31) 2025Filing

77 disclosures name this measure. Retrieved from LDA.gov on 2026-10-25. Senate Office of Public Records cannot vouch for the data or analyses derived from these data after the data have been retrieved from LDA.gov.