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 withdrawal of the rule relating to "Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-In Practices".

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Introduced 2026-03-18Topic: economy jobs · governance ethics

Summary

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This resolution uses the Congressional Review Act to reject a May 2025 action by the Consumer Financial Protection Bureau. In that action, the Bureau withdrew a 2024 guidance document, called Circular 2024-05, about improper practices for signing up bank customers for overdraft coverage. Under the resolution, the Bureau's withdrawal of that guidance would have no force or effect.

Full text and official record on Congress.gov

Recorded votes

Date	Chamber	Question	Result	Yeas	Nays
2026-05-13	Senate roll 123	On the Motion to Proceed S.J.Res. 130	Motion to Proceed Rejected	47	53

Action history

Date	Chamber	Action	Status effect
2026-05-13	Senate	Motion to proceed to consideration of measure rejected in Senate by Yea-Nay Vote. 47 - 53. Record Vote Number: 123. (consideration: CR S2265-2266)
2026-04-27	Senate	Placed on Senate Legislative Calendar under General Orders. Calendar No. 386.
2026-04-27	Senate	Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c).	report
2026-04-27		Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c).	report
2026-03-18	Senate	Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.	refer
2026-03-18		Introduced in Senate	introduce

Summary

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Recorded votes

Action history