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119-sjres-153119th CongressWALLET

A joint resolution 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 "Bulletin 2022-06: Unfair Returned Deposited Item Fee Assessment Practices".

Sponsored By: Senator Luján, Ben Ray [D-NM]

Introduced

Summary

Preserves the Consumer Financial Protection Bureau's Bulletin 2022-06 on unfair returned deposited item fee assessment practices. This bill would disapprove the CFPB rule that withdrew that bulletin, nullifying the withdrawal.

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

Preserve bank returned item fee rules

If enacted, this joint resolution would disapprove the CFPB rule (90 Fed. Reg. 20084, May 12, 2025) that withdrew Bulletin 2022-06. The withdrawal would have no force or effect, so Bulletin 2022-06 (87 Fed. Reg. 66940, Nov 7, 2022) would remain in place. Banks and other depository institutions would still be subject to CFPB guidance limiting unfair returned deposited item fee assessment practices. People with bank accounts would keep the consumer protections against some returned-item fees.

Sponsors & CoSponsors

Sponsor

Luján, Ben Ray [D-NM]

NM • D

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

No roll call votes available for this bill.

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