Senate Joint Resolution 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".
Became Law
Became Public Law 119-10 on May 9, 2025
Bill Intelligence
The bill calls for the disapproval of a rule by the Bureau of Consumer Financial Protection regarding overdraft lending for very large financial institutions. The disapproval would render the mentioned rule null and void.
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Origin Chamber
Senate
Type
Joint Resolution
Joint Resolution
A form of legislative measure used to propose changes in law, or to propose an amendment to the U.S. Constitution. Depending on the chamber of origin, they begin with a designation of either H.J.Res. or S.J.Res. Concurrent resolutions and simple resolutions are other types of resolutions. Bill is another form of legislative measure used to propose law.
Bill Number
18
Congress
119
Policy Area
Finance and Financial Sector
Finance and Financial Sector
Primary focus of measure is U.S. banking and financial institutions regulation; consumer credit; bankruptcy and debt collection; financial services and investments; insurance; securities; real estate transactions; currency. Measures concerning financial crimes may fall under Crime and Law Enforcement. Measures concerning business and corporate finance may fall under Commerce policy area. Measures concerning international banking may fall under Foreign Trade and International Finance policy area.
Question
On the Joint Resolution
Status
Passed
Type
Roll Call Vote
Roll Call Vote
A vote that records the individual position of each Member who voted. Such votes occurring on the House floor (by the "yeas and nays" or by "recorded vote") are taken by electronic device. The Senate has no electronic voting system; in such votes, Senators answer "yea" or "nay" as the clerk calls each name aloud. Each vote is compiled by clerks and receives a roll call number (referenced in Congress.gov as a "Record Vote" [Senate] or "Roll no." [House]).
Result
Joint Resolution Passed
Roll Number
153
Senate Roll Call Votes
Yes
Alabama
Alabama
Yes
Alabama
Alabama
Yes
Alaska
Alaska
Yes
Alaska
Alaska
No
Arizona
Arizona
No
Arizona
Arizona
Yes
Arkansas
Arkansas
Yes
Arkansas
Arkansas
No
California
California
No
California
California
No
Colorado
Colorado
No
Colorado
Colorado
No
Connecticut
Connecticut
No
Connecticut
Connecticut
No
Delaware
Delaware
No
Delaware
Delaware
Yes
Florida
Florida
Yes
Florida
Florida
No
Georgia
Georgia
No
Georgia
Georgia
No
Hawaii
Hawaii
No
Hawaii
Hawaii
Yes
Idaho
Idaho
Yes
Idaho
Idaho
No
Illinois
Illinois
No
Illinois
Illinois
Yes
Indiana
Indiana
Yes
Indiana
Indiana
Yes
Iowa
Iowa
Yes
Iowa
Iowa
Yes
Kansas
Kansas
Yes
Kansas
Kansas
Yes
Kentucky
Kentucky
Yes
Kentucky
Kentucky
Yes
Louisiana
Louisiana
Yes
Louisiana
Louisiana
No
Maine
Maine
Yes
Maine
Maine
No
Maryland
Maryland
No
Maryland
Maryland
No
Massachusetts
Massachusetts
No
Massachusetts
Massachusetts
No
Michigan
Michigan
No
Michigan
Michigan
No
Minnesota
Minnesota
No
Minnesota
Minnesota
Yes
Mississippi
Mississippi
Yes
Mississippi
Mississippi
Yes
Missouri
Missouri
No
Missouri
Missouri
Yes
Montana
Montana
Yes
Montana
Montana
Yes
Nebraska
Nebraska
Yes
Nebraska
Nebraska
No
Nevada
Nevada
No
Nevada
Nevada
No
New Hampshire
New Hampshire
No
New Hampshire
New Hampshire
No
New Jersey
New Jersey
No
New Jersey
New Jersey
No
New Mexico
New Mexico
No
New Mexico
New Mexico
No
New York
New York
No
New York
New York
Yes
North Carolina
North Carolina
Yes
North Carolina
North Carolina
Yes
North Dakota
North Dakota
Yes
North Dakota
North Dakota
Yes
Ohio
Ohio
Yes
Ohio
Ohio
Yes
Oklahoma
Oklahoma
Yes
Oklahoma
Oklahoma
No
Oregon
Oregon
No
Oregon
Oregon
Yes
Pennsylvania
Pennsylvania
No
Pennsylvania
Pennsylvania
No
Rhode Island
Rhode Island
No
Rhode Island
Rhode Island
Yes
South Carolina
South Carolina
Yes
South Carolina
South Carolina
Yes
South Dakota
South Dakota
Yes
South Dakota
South Dakota
Yes
Tennessee
Tennessee
Yes
Tennessee
Tennessee
Yes
Texas
Texas
Yes
Texas
Texas
Yes
Utah
Utah
Yes
Utah
Utah
No
Vermont
Vermont
No
Vermont
Vermont
No
Virginia
Virginia
No
Virginia
Virginia
No
Washington
Washington
No
Washington
Washington
Yes
West Virginia
West Virginia
Yes
West Virginia
West Virginia
Yes
Wisconsin
Wisconsin
No
Wisconsin
Wisconsin
Yes
Wyoming
Wyoming
Yes
Wyoming
Wyoming
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.
March 27, 2025
March 26, 2025
February 13, 2025
Sort by most recent
05/09/2025
Became Public Law No: 119-10.
05/09/2025
Signed by President.
05/05/2025
Presented to President.
04/09/2025
Motion to reconsider laid on the table Agreed to without objection.
04/09/2025
On passage Passed by the Yeas and Nays: 217 - 211 (Roll no. 96). (text: CR H1519)
04/09/2025
Passed/agreed to in House: On passage Passed by the Yeas and Nays: 217 - 211 (Roll no. 96). (text: CR H1519: 1)
04/09/2025
Considered as unfinished business. (consideration: CR H1533)
04/09/2025
POSTPONED PROCEEDINGS - At the conclusion of debate on S.J. Res. 18, the Chair put the question on passage of the joint resolution and by voice vote, announced that the ayes had prevailed. Mr. Hill (AR) demanded the yeas and nays and the Chair postponed further proceedings until a time to be announced.
04/09/2025
The previous question was ordered pursuant to the rule.
04/09/2025
DEBATE - The House proceeded with one hour of debate on S.J. Res. 18.
04/09/2025
Rule provides for consideration of S.J. Res. 18, S.J. Res. 28, H.R. 1526 and H.R. 22. The resolution provides for consideration of H.R. 22, H.R. 1526, S.J. Res. 18, and S.J. Res. 28 under a closed rule. The resolution provides for one hour of debate on each measure and one motion to recommit on H.R. 22 and H.R. 1526, and one motion to commit on S.J. Res. 18 and S.J. Res. 28.
04/09/2025
Considered under the provisions of rule H. Res. 294. (consideration: CR H1519-1525)
04/07/2025
Rules Committee Resolution H. Res. 294 Reported to House. Rule provides for consideration of S.J. Res. 18, S.J. Res. 28, H.R. 1526 and H.R. 22. The resolution provides for consideration of H.R. 22, H.R. 1526, S.J. Res. 18, and S.J. Res. 28 under a closed rule. The resolution provides for one hour of debate on each measure and one motion to recommit on H.R. 22 and H.R. 1526, and one motion to commit on S.J. Res. 18 and S.J. Res. 28.
04/01/2025
Rules Committee Resolution H. Res. 282 Reported to House. Rule provides for consideration of H.R. 22, H.R. 1526, S.J. Res. 18 and S.J. Res. 28. The resolution provides for consideration of H.R. 22, H.R. 1526, S.J. Res. 18, and S.J. Res. 28 under a closed rule. The resolution provides for one hour of debate on each measure and one motion to recommit on H.R. 22 and H.R. 1526, and one motion to commit on S.J. Res. 18 and S.J. Res. 28. The resolution also provides that H. Res. 23 and H. Res. 164 are laid on the table.
03/31/2025
Held at the desk.
03/31/2025
Received in the House.
03/31/2025
Message on Senate action sent to the House.
03/27/2025
Passed Senate without amendment by Yea-Nay Vote. 52 - 48. Record Vote Number: 153. (text: CR S1884)
03/27/2025
Passed/agreed to in Senate: Passed Senate without amendment by Yea-Nay Vote. 52 - 48. Record Vote Number: 153.
03/27/2025
Considered by Senate. (consideration: CR S1879, S1884)
03/26/2025
Measure laid before Senate by motion. (consideration: CR S1864)
03/26/2025
Motion to proceed to consideration of measure agreed to in Senate by Yea-Nay Vote. 52 - 47. Record Vote Number: 152.
03/26/2025
Placed on Senate Legislative Calendar under General Orders. Calendar No. 34.
03/26/2025
Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c).
02/13/2025
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
02/13/2025
Introduced in Senate
Public Record
Record Updated
Feb 25, 2026 9:06:18 AM