United States 119th Congress ✓ Enacted · P.L. 119-10 17 R cosponsors

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

Last action — Became Public Law No: 119-10.

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  1. ✓
    Introduced
  2. ✓
    In Committee
  3. ✓
    Passed Senate
  4. ✓
    Passed House
  5. ✓
    To Executive
  6. 6
    Enacted

This bill has been enacted into law. Introduced February 13, 2025. Enacted.

Prognosis

Likely to advance 82% · moderate confidence

Where this bill stands today.

Odds of enactment

High

How often bills like it became law.

  • Enacted

    Current position in the legislative process.

  • 17 sponsors

    1 primary, 16 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (17 R).

  • Cleared a recorded vote

    Passed 3 recorded votes so far.

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

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.

Bill Text

What changed in the latest version

16 added · 21 removed

Plain-language change summary

The amendment adds a note indicating that the joint resolution was approved on May 9, 2025, which establishes a clear date for the action taken. It also includes a reference to "Public Law 119-10" and specifies the context of the rule regarding "Overdraft Lending: Very Large Financial Institutions." This clarification is important as it helps to document the resolution's legislative history and connection to existing regulations.

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[Congressional Bills 119th Congress] [From the U.S.
[119th Congress Public Law 10] [From the U.S.
Government Publishing Office] [S.J.
Government Publishing Office] [[Page 139 STAT.
Res.
53]] Public Law 119-10 119th Congress Joint Resolution Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to ``Overdraft Lending:
18 Engrossed in Senate (ES)] <DOC> 119th CONGRESS 1st Session S.
J.
RES.
18 _______________________________________________________________________ JOINT RESOLUTION Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to ``Overdraft Lending:
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:
<<NOTE:
May 9, 2025 - [S.J.
Res.
18 ]>> 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:
Passed the Senate March 27, 2025.
Approved May 9, 2025.
Attest:
LEGISLATIVE HISTORY--S.J.
Secretary.
Res.
119th CONGRESS 1st Session S.
18:
J.
--------------------------------------------------------------------------- CONGRESSIONAL RECORD, Vol.
RES.
171 (2025):
18 _______________________________________________________________________ JOINT RESOLUTION Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to ``Overdraft Lending:
Mar.
Very Large Financial Institutions''.
26, 27, considered and passed Senate.
Apr.
9, considered and passed House.
<all>
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Action History

  1. Signed by President.

  2. Signed by President.

  3. Became Public Law No: 119-10.

  4. Became Public Law No: 119-10.

  5. Presented to President.

  6. Presented to President.

  7. Considered under the provisions of rule H. Res. 294. (consideration: CR H1519-1525)

  8. 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.

  9. DEBATE - The House proceeded with one hour of debate on S.J. Res. 18.

  10. The previous question was ordered pursuant to the rule.

  11. 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.

  12. Considered as unfinished business. (consideration: CR H1533)

  13. Passed/agreed to in House: On passage Passed by the Yeas and Nays: 217 - 211 (Roll no. 96). (text: CR H1519: 1)

  14. On passage Passed by the Yeas and Nays: 217 - 211 (Roll no. 96). (text: CR H1519)

  15. Motion to reconsider laid on the table Agreed to without objection.

  16. 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.

  17. 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.

  18. Message on Senate action sent to the House.

  19. Received in the House.

  20. Held at the desk.

  21. Considered by Senate. (consideration: CR S1879, S1884)

  22. Passed/agreed to in Senate: Passed Senate without amendment by Yea-Nay Vote. 52 - 48. Record Vote Number: 153.

  23. Passed Senate without amendment by Yea-Nay Vote. 52 - 48. Record Vote Number: 153. (text: CR S1884)

  24. Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c).

  25. Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c).

  26. Placed on Senate Legislative Calendar under General Orders. Calendar No. 34.

  27. Motion to proceed to consideration of measure agreed to in Senate by Yea-Nay Vote. 52 - 47. Record Vote Number: 152.

  28. Measure laid before Senate by motion. (consideration: CR S1864)

  29. Introduced in Senate

  30. Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Sponsors

Sponsorship breakdown

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1 sponsors · 16 co-sponsors · 530 not signed on · 182 voted No

Sponsors (1)

Co-sponsors (16)

Not signed on (530)

530 members have not signed on to this bill.

Show all 530 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Votes

On Passage

Passed 217 Yea · 211 Nay · 5 Other
Party YeaNayPresentNot Voting
Unaffiliated 797302
Republican 137101
Democratic 013702
Independent 1000
Total 21721105
% of votes cast 50%49%0%1%
How each member voted (433)
Member Party Vote
Adams — Nay
Alford — Yea
Allen — Yea
Arrington — Yea
Auchincloss — Nay
Bacon — Yea
Baird — Yea
Barr — Yea
Barrett — Yea
Beatty — Nay
Begich — Yea
Bell — Nay
Bilirakis — Yea
Bishop — Nay
Brown — Nay
Buchanan — Yea
Burlison — Yea
Bynum — Nay
Calvert — Yea
Carey — Yea
Carson — Nay
Case — Nay
Cline — Yea
Cohen — Nay
Cole — Yea
Collins — Yea
Comer — Yea
Conaway — Nay
Connolly — Nay
Courtney — Nay
Craig — Nay
Crane — Yea
Crawford — Yea
Crenshaw — Yea
Crockett — Nay
Crow — Nay
Davidson — Yea
Dexter — Nay
Diaz-Balart — Yea
Dingell — Nay
Downing — Yea
Edwards — Yea
Ellzey — Yea
Fallon — Yea
Fields — Nay
Fine — Yea
Fitzgerald — Yea
Fitzpatrick — Yea
Fletcher — Nay
Flood — Yea
Fong — Yea
Foster — Nay
Frost — Nay
Fry — Yea
Gillen — Nay
Gonzalez, V. — Nay
Graves — Yea
Gray — Nay
Green (TN) — Yea
Greene (GA) — Yea
Griffith — Yea
Guthrie — Yea
Hayes — Nay
Himes — Nay
Hinson — Yea
Horsford — Nay
Hudson — Yea
Huffman — Nay
Hunt — Yea
Jack — Yea
Jacobs — Nay
James — Yea
Jeffries — Nay
Jordan — Yea
Kean — Yea
Keating — Nay
Kim — Yea
Knott — Yea
LaHood — Yea
Latimer — Nay
Latta — Yea
Lawler — Yea
Leger Fernandez — Nay
Levin — Nay
Lucas — Yea
Luna — Yea
Luttrell — Yea
Lynch — Nay
Mace — Yea
Mann — Yea
Matsui — Nay
McBride — Nay
McClain Delaney — Nay
McClellan — Nay
McClintock — Yea
McCollum — Nay
McCormick — Yea
McDonald Rivet — Nay
McDowell — Yea
McGarvey — Nay
McGovern — Nay
McGuire — Yea
Meeks — Nay
Menendez — Nay
Mills — Yea
Moran — Yea
Morrison — Nay
Moulton — Nay
Mullin — Nay
Murphy — Yea
Neal — Nay
Norcross — Not Voting
Norman — Yea
Owens — Yea
Palmer — Not Voting
Panetta — Nay
Pappas — Nay
Perry — Yea
Peters — Nay
Pou — Nay
Quigley — Nay
Randall — Nay
Rose — Yea
Ross — Nay
Roy — Yea
Rutherford — Yea
Ryan — Nay
Salazar — Yea
Scanlon — Nay
Schmidt — Yea
Schneider — Nay
Sessions — Yea
Sewell — Nay
Sherman — Nay
Sherrill — Nay
Shreve — Yea
Simon — Nay
Simpson — Yea
Stanton — Nay
Stevens — Nay
Strickland — Nay
Strong — Yea
Sykes — Nay
Taylor — Yea
Tenney — Yea
Titus — Nay
Underwood — Nay
Van Drew — Yea
Van Duyne — Yea
Van Orden — Yea
Wagner — Yea
Wasserman Schultz — Nay
Waters — Nay
Watson Coleman — Nay
Aguilar, Pete Democratic Nay
Amo, Gabe Democratic Nay
Ansari, Yassamin Democratic Nay
Balint, Becca Democratic Nay
Barragán, Nanette Diaz Democratic Not Voting
Bera, Ami Democratic Nay
Beyer, Donald S. Democratic Nay
Bonamici, Suzanne Democratic Nay
Boyle, Brendan F. Democratic Nay
Brownley, Julia Democratic Nay
Budzinski, Nikki Democratic Nay
Carbajal, Salud O. Democratic Nay
Carter, Troy A. Democratic Nay
Casar, Greg Democratic Nay
Casten, Sean Democratic Nay
Castor, Kathy Democratic Nay
Castro, Joaquin Democratic Nay
Cherfilus-McCormick, Sheila Democratic Nay
Chu, Judy Democratic Nay
Cisneros, Gilbert Ray Democratic Nay
Clark, Katherine M. Democratic Nay
Clarke, Yvette D. Democratic Nay
Cleaver, Emanuel Democratic Nay
Clyburn, James E. Democratic Nay
Correa, J. Luis Democratic Nay
Costa, Jim Democratic Nay
Cuellar, Henry Democratic Nay
Davids, Sharice Democratic Nay
Davis, Danny K. Democratic Nay
Davis, Donald G. Democratic Nay
DeGette, Diana Democratic Nay
DeLauro, Rosa L. Democratic Nay
DeSaulnier, Mark Democratic Nay
Dean, Madeleine Democratic Nay
DelBene, Suzan K. Democratic Nay
Deluzio, Christopher R. Democratic Nay
Doggett, Lloyd Democratic Nay
Elfreth, Sarah Democratic Nay
Escobar, Veronica Democratic Nay
Espaillat, Adriano Democratic Nay
Evans, Dwight Democratic Nay
Figures, Shomari Democratic Nay
Foushee, Valerie P. Democratic Nay
Frankel, Lois Democratic Nay
Friedman, Laura Democratic Nay
Garamendi, John Democratic Nay
Garcia, Robert Democratic Nay
Garcia, Sylvia R. Democratic Nay
García, Jesús G. "Chuy" Democratic Nay
Golden, Jared F. Democratic Nay
Goldman, Daniel S. Democratic Nay
Gomez, Jimmy Democratic Nay
Goodlander, Maggie Democratic Nay
Gottheimer, Josh Democratic Not Voting
Green, Al Democratic Nay
Harder, Josh Democratic Nay
Houlahan, Chrissy Democratic Nay
Hoyer, Steny H. Democratic Nay
Hoyle, Val T. Democratic Nay
Ivey, Glenn Democratic Nay
Jackson, Jonathan L. Democratic Nay
Jayapal, Pramila Democratic Nay
Johnson, Henry C. "Hank" Democratic Nay
Johnson, Julie Democratic Nay
Kamlager-Dove, Sydney Democratic Nay
Kaptur, Marcy Democratic Nay
Kelly, Robin L. Democratic Nay
Kennedy, Timothy M. Democratic Nay
Khanna, Ro Democratic Nay
Krishnamoorthi, Raja Democratic Nay
Landsman, Greg Democratic Nay
Larsen, Rick Democratic Nay
Larson, John B. Democratic Nay
Lee, Summer L. Democratic Nay
Lee, Susie Democratic Nay
Liccardo, Sam T. Democratic Nay
Lieu, Ted Democratic Nay
Lofgren, Zoe Democratic Nay
Magaziner, Seth Democratic Nay
Mannion, John W. Democratic Nay
McBath, Lucy Democratic Nay
McIver, LaMonica Democratic Nay
Meng, Grace Democratic Nay
Mfume, Kweisi Democratic Nay
Min, Dave Democratic Nay
Moore, Gwen Democratic Nay
Morelle, Joseph D. Democratic Nay
Moskowitz, Jared Democratic Nay
Mrvan, Frank J. Democratic Nay
Nadler, Jerrold Democratic Nay
Neguse, Joe Democratic Nay
Ocasio-Cortez, Alexandria Democratic Nay
Olszewski, Johnny Democratic Nay
Omar, Ilhan Democratic Nay
Pallone, Frank Democratic Nay
Pelosi, Nancy Democratic Nay
Perez, Marie Gluesenkamp Democratic Nay
Pettersen, Brittany Democratic Nay
Pingree, Chellie Democratic Nay
Pocan, Mark Democratic Nay
Pressley, Ayanna Democratic Nay
Ramirez, Delia C. Democratic Nay
Raskin, Jamie Democratic Nay
Riley, Josh Democratic Nay
Rivas, Luz M. Democratic Nay
Ruiz, Raul Democratic Nay
Salinas, Andrea Democratic Nay
Schakowsky, Janice D. Democratic Nay
Scholten, Hillary J. Democratic Nay
Schrier, Kim Democratic Nay
Scott, David Democratic Nay
Scott, Robert C. "Bobby" Democratic Nay
Smith, Adam Democratic Nay
Sorensen, Eric Democratic Nay
Soto, Darren Democratic Nay
Stansbury, Melanie A. Democratic Nay
Subramanyam, Suhas Democratic Nay
Suozzi, Thomas R. Democratic Nay
Swalwell, Eric Democratic Nay
Sánchez, Linda T. Democratic Nay
Takano, Mark Democratic Nay
Thanedar, Shri Democratic Nay
Thompson, Bennie G. Democratic Nay
Thompson, Mike Democratic Nay
Tlaib, Rashida Democratic Nay
Tokuda, Jill N. Democratic Nay
Tonko, Paul Democratic Nay
Torres, Norma J. Democratic Nay
Torres, Ritchie Democratic Nay
Trahan, Lori Democratic Nay
Tran, Derek Democratic Nay
Vargas, Juan Democratic Nay
Vasquez, Gabe Democratic Nay
Veasey, Marc A. Democratic Nay
Velázquez, Nydia M. Democratic Nay
Vindman, Eugene Simon Democratic Nay
Whitesides, George Democratic Nay
Williams, Nikema Democratic Nay
Wilson, Frederica S. Democratic Nay
Kiley, Kevin Independent Yea
Aderholt, Robert B. Republican Yea
Amodei, Mark E. Republican Yea
Babin, Brian Republican Yea
Balderson, Troy Republican Yea
Baumgartner, Michael Republican Yea
Bean, Aaron Republican Yea
Bentz, Cliff Republican Yea
Bergman, Jack Republican Yea
Bice, Stephanie I. Republican Yea
Biggs, Andy Republican Yea
Biggs, Sheri Republican Yea
Boebert, Lauren Republican Yea
Bost, Mike Republican Yea
Brecheen, Josh Republican Yea
Bresnahan, Robert P. Republican Yea
Burchett, Tim Republican Yea
Cammack, Kat Republican Yea
Carter, Earl L. "Buddy" Republican Yea
Carter, John R. Republican Yea
Ciscomani, Juan Republican Yea
Cloud, Michael Republican Yea
Clyde, Andrew S. Republican Yea
Crank, Jeff Republican Yea
Cruz, Ted Republican Yea
DesJarlais, Scott Republican Yea
Donalds, Byron Republican Yea
Dunn, Neal P. Republican Yea
Emmer, Tom Republican Yea
Estes, Ron Republican Yea
Evans, Gabe Republican Yea
Ezell, Mike Republican Yea
Fedorchak, Julie Republican Yea
Feenstra, Randy Republican Yea
Finstad, Brad Republican Yea
Fischbach, Michelle Republican Yea
Fleischmann, Charles J. "Chuck" Republican Yea
Foxx, Virginia Republican Yea
Franklin, Scott Republican Yea
Fulcher, Russ Republican Yea
Garbarino, Andrew R. Republican Yea
Gill, Brandon Republican Yea
Gimenez, Carlos A. Republican Yea
Goldman, Craig A. Republican Yea
Gonzales, Tony Republican Yea
Gooden, Lance Republican Yea
Gosar, Paul A. Republican Yea
Grothman, Glenn Republican Yea
Guest, Michael Republican Yea
Hageman, Harriet M. Republican Yea
Hamadeh, Abraham J. Republican Yea
Haridopolos, Mike Republican Yea
Harrigan, Pat Republican Yea
Harris, Andy Republican Yea
Harris, Mark Republican Yea
Harshbarger, Diana Republican Yea
Hern, Kevin Republican Yea
Higgins, Clay Republican Yea
Hill, J. French Republican Yea
Houchin, Erin Republican Yea
Huizenga, Bill Republican Yea
Hurd, Jeff Republican Yea
Issa, Darrell Republican Yea
Jackson, Ronny Republican Yea
Johnson, Dusty Republican Yea
Johnson, Mike Republican Yea
Joyce, David P. Republican Yea
Joyce, John Republican Yea
Kelly, Mike Republican Yea
Kelly, Trent Republican Yea
Kennedy, Mike Republican Yea
Kiggans, Jennifer A. Republican Yea
Kustoff, David Republican Yea
LaLota, Nick Republican Yea
LaMalfa, Doug Republican Yea
Langworthy, Nicholas A. Republican Yea
Lee, Laurel M. Republican Yea
Letlow, Julia Republican Yea
Loudermilk, Barry Republican Yea
Mackenzie, Ryan Republican Nay
Malliotakis, Nicole Republican Yea
Maloy, Celeste Republican Yea
Massie, Thomas Republican Yea
Mast, Brian J. Republican Yea
McCaul, Michael T. Republican Yea
McClain, Lisa C. Republican Yea
Messmer, Mark B. Republican Yea
Meuser, Daniel Republican Yea
Miller, Carol D. Republican Yea
Miller, Mary E. Republican Yea
Miller, Max L. Republican Yea
Miller-Meeks, Mariannette Republican Yea
Moolenaar, John R. Republican Yea
Moore, Barry Republican Yea
Moore, Blake D. Republican Yea
Moore, Riley M. Republican Yea
Moore, Tim Republican Yea
Nehls, Troy E. Republican Yea
Newhouse, Dan Republican Yea
Nunn, Zachary Republican Yea
Obernolte, Jay Republican Yea
Ogles, Andrew Republican Yea
Onder, Robert F. Republican Yea
Patronis, Jimmy Republican Yea
Pfluger, August Republican Yea
Reschenthaler, Guy Republican Yea
Rogers, Harold Republican Yea
Rogers, Mike D. Republican Yea
Rouzer, David Republican Yea
Rulli, Michael A. Republican Yea
Scalise, Steve Republican Yea
Schweikert, David Republican Yea
Scott, Austin Republican Yea
Self, Keith Republican Yea
Smith, Adrian Republican Yea
Smith, Christopher H. Republican Yea
Smith, Jason Republican Yea
Smucker, Lloyd Republican Yea
Spartz, Victoria Republican Yea
Stauber, Pete Republican Yea
Stefanik, Elise M. Republican Yea
Steil, Bryan Republican Yea
Steube, W. Gregory Republican Yea
Stutzman, Marlin A. Republican Yea
Thompson, Glenn Republican Yea
Tiffany, Thomas P. Republican Yea
Timmons, William R. Republican Yea
Turner, Michael R. Republican Yea
Valadao, David G. Republican Yea
Walberg, Tim Republican Yea
Weber, Randy K. Sr. Republican Yea
Webster, Daniel Republican Yea
Westerman, Bruce Republican Yea
Wied, Tony Republican Yea
Williams, Roger Republican Not Voting
Wilson, Joe Republican Yea
Wittman, Robert J. Republican Yea
Womack, Steve Republican Yea
Yakym, Rudy Republican Yea
Zinke, Ryan K. Republican Yea

On the Joint Resolution S.J.Res. 18

Passed 52 Yea · 48 Nay
Party YeaNayPresentNot Voting
Democratic 04100
Republican 51100
Unaffiliated 1400
Independent 0200
Total 524800
% of votes cast 52%48%0%0%
How each member voted (100)
Member Party Vote
Blunt Rochester (D-DE) — Nay
Cortez Masto (D-NV) — Nay
Lujan (D-NM) — Nay
Mullin (R-OK) — Yea
Van Hollen (D-MD) — Nay
Alsobrooks, Angela D. Democratic Nay
Baldwin, Tammy Democratic Nay
Bennet, Michael F. Democratic Nay
Blumenthal, Richard Democratic Nay
Booker, Cory A. Democratic Nay
Cantwell, Maria Democratic Nay
Coons, Christopher A. Democratic Nay
Duckworth, Tammy Democratic Nay
Durbin, Richard J. Democratic Nay
Fetterman, John Democratic Nay
Gallego, Ruben Democratic Nay
Gillibrand, Kirsten E. Democratic Nay
Hassan, Margaret Wood Democratic Nay
Heinrich, Martin Democratic Nay
Hickenlooper, John W. Democratic Nay
Hirono, Mazie K. Democratic Nay
Kaine, Tim Democratic Nay
Kelly, Mark Democratic Nay
Kim, Andy Democratic Nay
Klobuchar, Amy Democratic Nay
Markey, Edward J. Democratic Nay
Merkley, Jeff Democratic Nay
Murphy, Christopher Democratic Nay
Murray, Patty Democratic Nay
Ossoff, Jon Democratic Nay
Padilla, Alex Democratic Nay
Peters, Gary C. Democratic Nay
Reed, Jack Democratic Nay
Rosen, Jacky Democratic Nay
Schatz, Brian Democratic Nay
Schiff, Adam B. Democratic Nay
Schumer, Charles E. Democratic Nay
Shaheen, Jeanne Democratic Nay
Slotkin, Elissa Democratic Nay
Smith, Tina Democratic Nay
Warner, Mark R. Democratic Nay
Warnock, Raphael G. Democratic Nay
Warren, Elizabeth Democratic Nay
Welch, Peter Democratic Nay
Whitehouse, Sheldon Democratic Nay
Wyden, Ron Democratic Nay
King, Angus S., Jr. Independent Nay
Sanders, Bernard Independent Nay
Banks, Jim Republican Yea
Barrasso, John Republican Yea
Blackburn, Marsha Republican Yea
Boozman, John Republican Yea
Britt, Katie Boyd Republican Yea
Budd, Ted Republican Yea
Capito, Shelley Moore Republican Yea
Cassidy, Bill Republican Yea
Collins, Susan M. Republican Yea
Cornyn, John Republican Yea
Cotton, Tom Republican Yea
Cramer, Kevin Republican Yea
Crapo, Mike Republican Yea
Cruz, Ted Republican Yea
Curtis, John R. Republican Yea
Daines, Steve Republican Yea
Ernst, Joni Republican Yea
Fischer, Deb Republican Yea
Graham, Lindsey Republican Yea
Grassley, Chuck Republican Yea
Hagerty, Bill Republican Yea
Hawley, Josh Republican Nay
Hoeven, John Republican Yea
Husted, Jon Republican Yea
Hyde-Smith, Cindy Republican Yea
Johnson, Ron Republican Yea
Justice, James C. Republican Yea
Kennedy, John Republican Yea
Lankford, James Republican Yea
Lee, Mike Republican Yea
Lummis, Cynthia M. Republican Yea
Marshall, Roger Republican Yea
McConnell, Mitch Republican Yea
McCormick, David Republican Yea
Moody, Ashley Republican Yea
Moran, Jerry Republican Yea
Moreno, Bernie Republican Yea
Murkowski, Lisa Republican Yea
Paul, Rand Republican Yea
Ricketts, Pete Republican Yea
Risch, James E. Republican Yea
Rounds, Mike Republican Yea
Schmitt, Eric Republican Yea
Scott, Rick Republican Yea
Scott, Tim Republican Yea
Sheehy, Tim Republican Yea
Sullivan, Dan Republican Yea
Thune, John Republican Yea
Tillis, Thomas Republican Yea
Tuberville, Tommy Republican Yea
Wicker, Roger F. Republican Yea
Young, Todd Republican Yea

On the Motion to Proceed S.J.Res. 18

Passed 52 Yea · 47 Nay · 1 Other
Party YeaNayPresentNot Voting
Democratic 04001
Republican 51100
Unaffiliated 1400
Independent 0200
Total 524701
% of votes cast 52%47%0%1%
How each member voted (100)
Member Party Vote
Blunt Rochester (D-DE) — Nay
Cortez Masto (D-NV) — Nay
Lujan (D-NM) — Nay
Mullin (R-OK) — Yea
Van Hollen (D-MD) — Nay
Alsobrooks, Angela D. Democratic Nay
Baldwin, Tammy Democratic Nay
Bennet, Michael F. Democratic Nay
Blumenthal, Richard Democratic Nay
Booker, Cory A. Democratic Nay
Cantwell, Maria Democratic Nay
Coons, Christopher A. Democratic Nay
Duckworth, Tammy Democratic Nay
Durbin, Richard J. Democratic Nay
Fetterman, John Democratic Nay
Gallego, Ruben Democratic Nay
Gillibrand, Kirsten E. Democratic Nay
Hassan, Margaret Wood Democratic Nay
Heinrich, Martin Democratic Nay
Hickenlooper, John W. Democratic Nay
Hirono, Mazie K. Democratic Nay
Kaine, Tim Democratic Nay
Kelly, Mark Democratic Nay
Kim, Andy Democratic Nay
Klobuchar, Amy Democratic Nay
Markey, Edward J. Democratic Nay
Merkley, Jeff Democratic Nay
Murphy, Christopher Democratic Nay
Murray, Patty Democratic Nay
Ossoff, Jon Democratic Nay
Padilla, Alex Democratic Nay
Peters, Gary C. Democratic Nay
Reed, Jack Democratic Nay
Rosen, Jacky Democratic Nay
Schatz, Brian Democratic Not Voting
Schiff, Adam B. Democratic Nay
Schumer, Charles E. Democratic Nay
Shaheen, Jeanne Democratic Nay
Slotkin, Elissa Democratic Nay
Smith, Tina Democratic Nay
Warner, Mark R. Democratic Nay
Warnock, Raphael G. Democratic Nay
Warren, Elizabeth Democratic Nay
Welch, Peter Democratic Nay
Whitehouse, Sheldon Democratic Nay
Wyden, Ron Democratic Nay
King, Angus S., Jr. Independent Nay
Sanders, Bernard Independent Nay
Banks, Jim Republican Yea
Barrasso, John Republican Yea
Blackburn, Marsha Republican Yea
Boozman, John Republican Yea
Britt, Katie Boyd Republican Yea
Budd, Ted Republican Yea
Capito, Shelley Moore Republican Yea
Cassidy, Bill Republican Yea
Collins, Susan M. Republican Yea
Cornyn, John Republican Yea
Cotton, Tom Republican Yea
Cramer, Kevin Republican Yea
Crapo, Mike Republican Yea
Cruz, Ted Republican Yea
Curtis, John R. Republican Yea
Daines, Steve Republican Yea
Ernst, Joni Republican Yea
Fischer, Deb Republican Yea
Graham, Lindsey Republican Yea
Grassley, Chuck Republican Yea
Hagerty, Bill Republican Yea
Hawley, Josh Republican Nay
Hoeven, John Republican Yea
Husted, Jon Republican Yea
Hyde-Smith, Cindy Republican Yea
Johnson, Ron Republican Yea
Justice, James C. Republican Yea
Kennedy, John Republican Yea
Lankford, James Republican Yea
Lee, Mike Republican Yea
Lummis, Cynthia M. Republican Yea
Marshall, Roger Republican Yea
McConnell, Mitch Republican Yea
McCormick, David Republican Yea
Moody, Ashley Republican Yea
Moran, Jerry Republican Yea
Moreno, Bernie Republican Yea
Murkowski, Lisa Republican Yea
Paul, Rand Republican Yea
Ricketts, Pete Republican Yea
Risch, James E. Republican Yea
Rounds, Mike Republican Yea
Schmitt, Eric Republican Yea
Scott, Rick Republican Yea
Scott, Tim Republican Yea
Sheehy, Tim Republican Yea
Sullivan, Dan Republican Yea
Thune, John Republican Yea
Tillis, Thomas Republican Yea
Tuberville, Tommy Republican Yea
Wicker, Roger F. Republican Yea
Young, Todd Republican Yea

Subjects

finance technology
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Frequently asked questions

What does SJRES 18 do?
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.
Who sponsors SJRES 18?
SJRES 18 is sponsored by Rounds, Mike (Republican), Hagerty, Bill (Republican), Crapo, Mike (Republican), Tillis, Thomas (Republican), Cramer, Kevin (Republican), Britt, Katie Boyd (Republican), Moran, Jerry (Republican), Risch, James E. (Republican), Boozman, John (Republican), Wicker, Roger F. (Republican), Lummis, Cynthia M. (Republican), Ricketts, Pete (Republican), Moreno, Bernie (Republican), Lee, Mike (Republican), Daines, Steve (Republican), Thune, John (Republican), and Scott, Tim (Republican).
What is the current status of SJRES 18?
This bill has been enacted into law. Introduced February 13, 2025. Enacted.
Where can I track SJRES 18?
Track SJRES 18 free on One Click Politics — get push/email alerts when it moves.

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