Latest action (May 9, 2025): Became Public Law No: 119-10.
Official 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.
Summary: Congress.gov (Congressional Research Service).
Roll-call votes on this bill
Data as of Sep 28, 2026. Source: Congress.gov.
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