# 119-hr-5953: Protect Military and Federal Employees from Unfair Bank Fees Act

119-hr-5953, Protect Military and Federal Employees from Unfair Bank Fees Act, is a 119th Congress bill sponsored by Rep. Jacobs, Sara [D-CA-51] (D-CA); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-5953
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-5953
- Congress: 119
- Title: Protect Military and Federal Employees from Unfair Bank Fees Act
- Status: introduced
- Introduced: 2025-11-07
- Sponsor: Rep. Jacobs, Sara [D-CA-51] (D-CA)
- Cosponsors: 2
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Would protect furloughed federal employees and military personnel from bank and credit‑card fees during government funding gaps.** It would bar financial institutions from charging insufficient‑funds fees on debit transactions and stop card issuers from charging late‑payment fees for payments due during a covered period. - Workers and service members: Civilian federal employees and members of the Armed Forces and uniformed services who are furloughed or working without pay during a funding lapse would be protected from overdraft and insufficient‑funds fees and from credit‑card late fees for payments due in that period. - Banks and card issuers: Financial institutions and card issuers would be prohibited from imposing those fees during covered periods. The bill relies on definitions in the Electronic Fund Transfer Act and the Consumer Credit Protection Act to specify which accounts and cards are covered.

## Cosponsors (2)

- Rep. Elfreth, Sarah [D-MD-3] (D-MD), 2025-11-07T00:00:00.000Z
- Rep. Walkinshaw, James R. [D-VA-11] (D-VA), 2025-11-07T00:00:00.000Z

## Provisions PRIA read

- No bank or card fees for furloughed workers: benefit, low. If enacted, this bill would ban certain bank and credit-card fees during a federal funding gap. You could not be charged overdraft or NSF fees for debits that occur during a covered period. Your credit card issuer could not charge late-payment fees for payments due during that covered period. "Cove…

## Related bills

- 119-hr-7977: Energy Bills Relief Act
- 119-hr-7973: Momnibus Act
- 119-hr-7853: PrEP Access and Coverage Act of 2026
- 119-hr-5361: George Floyd Justice in Policing Act of 2025
- 119-hr-51: Washington, D.C. Admission Act
- 119-hr-20: Richard L. Trumka Protecting the Right to Organize Act of 2025

## Sources
- [119-hr-5953 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/5953)

## Related
- [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-7853: PrEP Access and Coverage Act of 2026](https://policyrisk.com/legislation/119-hr-7853)
- [119-hr-5361: George Floyd Justice in Policing Act of 2025](https://policyrisk.com/legislation/119-hr-5361)
- [119-hr-51: Washington, D.C. Admission Act](https://policyrisk.com/legislation/119-hr-51)
- [119-hr-20: Richard L. Trumka Protecting the Right to Organize Act of 2025](https://policyrisk.com/legislation/119-hr-20)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-5953 (as of 2026-04-21).