# 119-hjres-169: Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-In Practices".

119-hjres-169, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-In Practices"., is a 119th Congress bill sponsored by Rep. Velázquez, Nydia M. [D-NY-7] (D-NY); status introduced; PRIA reads it as touching household money (as of 2026-09-21).

- Canonical: https://policyrisk.com/legislation/119-hjres-169
- As of: 2026-09-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hjres-169
- Congress: 119
- Title: Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-In Practices".
- Status: introduced
- Introduced: 2026-04-30
- Sponsor: Rep. Velázquez, Nydia M. [D-NY-7] (D-NY)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-09-21

## Summary

**Blocks the CFPB's withdrawal of Consumer Financial Protection Circular 2024-05 on improper overdraft opt-in practices.** This resolution would nullify the CFPB rule that sought to withdraw that circular and prevent the withdrawal from taking effect.

## Provisions PRIA read

- Keep consumer overdraft protections in place: benefit, medium. If enacted, this resolution would disapprove the CFPB rule that withdrew Circular 2024-05, "Improper Overdraft Opt-In Practices." That would make the CFPB's withdrawal rule have no force or effect. If passed, banks and other CFPB-regulated firms would still have to follow Circular 2024-05. Deposit…

## Related bills

- 119-hr-9877: Health Equity and Accountability Act of 2026
- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-7973: Momnibus Act
- 119-hr-5658: Child Care for Every Community Act
- 119-hr-3971: Domestic Workers Bill of Rights Act

## Sources
- [119-hjres-169 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-joint-resolution/169)

## Related
- [119-hr-9877: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-hr-9877)
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-5658: Child Care for Every Community Act](https://policyrisk.com/legislation/119-hr-5658)
- [119-hr-3971: Domestic Workers Bill of Rights Act](https://policyrisk.com/legislation/119-hr-3971)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hjres-169 (as of 2026-09-21).