# 119-hr-5689: Shutdown Guidance for Financial Institutions Act

119-hr-5689, Shutdown Guidance for Financial Institutions Act, is a 119th Congress bill sponsored by Rep. Subramanyam, Suhas [D-VA-10] (D-VA); status introduced; PRIA reads it as touching household money (as of 2026-09-18).

- Canonical: https://policyrisk.com/legislation/119-hr-5689
- As of: 2026-09-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-5689
- Congress: 119
- Title: Shutdown Guidance for Financial Institutions Act
- Status: introduced
- Introduced: 2025-10-03
- Sponsor: Rep. Subramanyam, Suhas [D-VA-10] (D-VA)
- Cosponsors: 22
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-09-18

## Summary

**This bill would require federal financial regulators to issue coordinated guidance to help consumers and businesses during a federal government shutdown.** It focuses on encouraging lenders to ease short-term credit problems, prevent harmful credit reporting, and support prudent loan modifications.

## Cosponsors (22)

- Rep. Beyer, Donald S. [D-VA-8] (D-VA), 2025-10-03T00:00:00.000Z
- Rep. Horsford, Steven [D-NV-4] (D-NV), 2025-10-03T00:00:00.000Z
- Rep. Lieu, Ted [D-CA-36] (D-CA), 2025-10-03T00:00:00.000Z
- Rep. McClain Delaney, April [D-MD-6] (D-MD), 2025-10-03T00:00:00.000Z
- Rep. McClellan, Jennifer L. [D-VA-4] (D-VA), 2025-10-03T00:00:00.000Z
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2025-10-03T00:00:00.000Z
- Rep. Raskin, Jamie [D-MD-8] (D-MD), 2025-10-03T00:00:00.000Z
- Rep. Walkinshaw, James R. [D-VA-11] (D-VA), 2025-10-03T00:00:00.000Z
- Rep. Carson, André [D-IN-7] (D-IN), 2025-10-08T00:00:00.000Z
- Rep. Beatty, Joyce [D-OH-3] (D-OH), 2025-10-08T00:00:00.000Z
- Rep. Mfume, Kweisi [D-MD-7] (D-MD), 2025-10-10T00:00:00.000Z
- Rep. Amo, Gabe [D-RI-1] (D-RI), 2025-10-10T00:00:00.000Z
- Rep. Mannion, John W. [D-NY-22] (D-NY), 2025-10-14T00:00:00.000Z
- Rescom. Hernández, Pablo Jose [D-PR-At Large] (D-PR), 2025-10-17T00:00:00.000Z
- Rep. Randall, Emily [D-WA-6] (D-WA), 2025-10-17T00:00:00.000Z
- Rep. Vindman, Eugene Simon [D-VA-7] (D-VA), 2025-10-21T00:00:00.000Z
- Rep. Watson Coleman, Bonnie [D-NJ-12] (D-NJ), 2025-10-28T00:00:00.000Z
- Rep. Fletcher, Lizzie [D-TX-7] (D-TX), 2025-10-31T00:00:00.000Z
- Rep. Keating, William R. [D-MA-9] (D-MA), 2025-10-31T00:00:00.000Z
- Rep. Titus, Dina [D-NV-1] (D-NV), 2025-11-12T00:00:00.000Z
- Rep. Salinas, Andrea [D-OR-6] (D-OR), 2026-04-06T00:00:00.000Z
- Rep. Hayes, Jahana [D-CT-5] (D-CT), 2026-09-16T00:00:00.000Z

## Provisions PRIA read

- Bank help for workers and contractors in shutdowns: benefit, medium. If enacted, federal financial regulators would have 180 days to issue joint guidance for banks and credit unions. The guidance would urge lenders to work with people hurt by a shutdown, including unpaid or furloughed federal and DC employees, federal contractors, and businesses with big income drop…
- How this bill is budget-scored: mixed, low. This bill would set how its budget effects are counted under Pay-As-You-Go rules. It would use the latest "Budgetary Effects of PAYGO Legislation" statement that the House Budget Committee chair prints in the Congressional Record before the vote. This is a procedural step and would not change your…

## Related bills

- 119-hr-7973: Momnibus Act
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-51: Washington, D.C. Admission Act
- 119-hr-5390: FAMILY Act
- 119-hr-4206: CONNECT for Health Act of 2025
- 119-hr-15: Equality Act

## Sources
- [119-hr-5689 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/5689)

## Related
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-51: Washington, D.C. Admission Act](https://policyrisk.com/legislation/119-hr-51)
- [119-hr-5390: FAMILY Act](https://policyrisk.com/legislation/119-hr-5390)
- [119-hr-4206: CONNECT for Health Act of 2025](https://policyrisk.com/legislation/119-hr-4206)
- [119-hr-15: Equality Act](https://policyrisk.com/legislation/119-hr-15)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-5689 (as of 2026-09-18).