# 119-sjres-18: A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".

119-sjres-18, A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions"., is a 119th Congress bill sponsored by Sen. Scott, Tim [R-SC] (R-SC); status became_law; PRIA reads it as touching household money (as of 2026-07-29).

- Canonical: https://policyrisk.com/legislation/119-sjres-18
- As of: 2026-07-29
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-sjres-18
- Congress: 119
- Title: A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".
- Status: became_law
- Introduced: 2025-02-13
- Sponsor: Sen. Scott, Tim [R-SC] (R-SC)
- Cosponsors: 16
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-07-29

## Summary

**Nullifies the CFPB's "Overdraft Lending: Very Large Financial Institutions" rule.** This law removes that specific CFPB regulation and leaves pre-existing law and the Bureau's other authorities over overdraft lending unchanged.

## Cosponsors (16)

- Sen. Rounds, Mike [R-SD] (R-SD), 2025-02-13T00:00:00.000Z
- Sen. Hagerty, Bill [R-TN] (R-TN), 2025-02-13T00:00:00.000Z
- Sen. Crapo, Mike [R-ID] (R-ID), 2025-02-13T00:00:00.000Z
- Sen. Tillis, Thomas [R-NC] (R-NC), 2025-02-13T00:00:00.000Z
- Sen. Cramer, Kevin [R-ND] (R-ND), 2025-02-13T00:00:00.000Z
- Sen. Britt, Katie Boyd [R-AL] (R-AL), 2025-02-13T00:00:00.000Z
- Sen. Moran, Jerry [R-KS] (R-KS), 2025-02-13T00:00:00.000Z
- Sen. Risch, James E. [R-ID] (R-ID), 2025-02-13T00:00:00.000Z
- Sen. Boozman, John [R-AR] (R-AR), 2025-02-13T00:00:00.000Z
- Sen. Wicker, Roger F. [R-MS] (R-MS), 2025-02-13T00:00:00.000Z
- Sen. Lummis, Cynthia M. [R-WY] (R-WY), 2025-02-13T00:00:00.000Z
- Sen. Ricketts, Pete [R-NE] (R-NE), 2025-02-13T00:00:00.000Z
- Sen. Moreno, Bernie [R-OH] (R-OH), 2025-02-13T00:00:00.000Z
- Sen. Lee, Mike [R-UT] (R-UT), 2025-02-19T00:00:00.000Z
- Sen. Daines, Steve [R-MT] (R-MT), 2025-03-04T00:00:00.000Z
- Sen. Thune, John [R-SD] (R-SD), 2025-03-12T00:00:00.000Z

## Votes

| Date | Chamber | Question | Result | Yea | Nay |
| --- | --- | --- | --- | --- | --- |
| 2025-04-09T00:00:00.000Z | house | On Passage | Passed | 217 | 211 |
| 2025-03-27T11:28:00.000Z | senate | On the Joint Resolution S.J.Res. 18 | Joint Resolution Passed | 52 | 48 |
| 2025-03-26T20:48:00.000Z | senate | On the Motion to Proceed S.J.Res. 18 | Motion to Proceed Agreed to | 52 | 47 |

## Provisions PRIA read

- Rule on big-bank overdraft fees blocked: cost, medium. The law blocks the Consumer Financial Protection Bureau’s overdraft rule for very large banks. The identified rule has no force or effect. Banks can keep current overdraft fees and account practices. Customers at very large banks keep current overdraft terms, not the rule’s changes. This takes effe…

## Related bills

- 119-s-2296: National Defense Authorization Act for Fiscal Year 2026
- 119-s-4784: National Defense Authorization Act for Fiscal Year 2027
- 119-s-587: Death Tax Repeal Act of 2025
- 119-s-186: No Taxpayer Funding for Abortion and Abortion Insurance Full Disclosure Act of 2025
- 119-s-6: Born-Alive Abortion Survivors Protection Act
- 119-s-128: SAVE Act

## Sources
- [119-sjres-18 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-joint-resolution/18)

## Related
- [119-s-2296: National Defense Authorization Act for Fiscal Year 2026](https://policyrisk.com/legislation/119-s-2296)
- [119-s-4784: National Defense Authorization Act for Fiscal Year 2027](https://policyrisk.com/legislation/119-s-4784)
- [119-s-587: Death Tax Repeal Act of 2025](https://policyrisk.com/legislation/119-s-587)
- [119-s-186: No Taxpayer Funding for Abortion and Abortion Insurance Full Disclosure Act of…](https://policyrisk.com/legislation/119-s-186)
- [119-s-6: Born-Alive Abortion Survivors Protection Act](https://policyrisk.com/legislation/119-s-6)
- [119-s-128: SAVE Act](https://policyrisk.com/legislation/119-s-128)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-sjres-18 (as of 2026-07-29).