Us Congress 2025-2026 Regular Session

Us Congress House Bill HR294

Caption

Providing for consideration of the joint resolution (S.J. Res. 18) disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions"; providing for consideration of the joint resolution (S.J. Res. 28) disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications"; providing for consideration of the bill (H.R. 1526) to amend title 28, United States Code, to limit the authority of district courts to provide injunctive relief, and for other purposes; providing for consideration of the bill (H.R. 22) to amend the National Voter Registration Act of 1993 to require proof of United States citizenship to register an individual to vote in elections for Federal office, and for other purposes; and for other purposes.

Impact

The implications of HR294 are significant as it aligns with broader legislative efforts to reshape the regulatory landscape for financial institutions operating in consumer spaces. The intent behind disapproving certain Bureau of Consumer Financial Protection rules is to provide financial institutions with more operational freedom, potentially increasing their profitability but also sparking concerns over consumer rights and protections. The changes may lead to a financial environment with fewer regulatory constraints, thereby affecting consumers' access to financial services.

Summary

House Resolution 294 addresses multiple legislative resolutions concerning consumer financial protections and voter registration processes. It sets the stage for the consideration of two joint resolutions that disapprove rules from the Bureau of Consumer Financial Protection, one regarding overdraft lending practices of large financial institutions and another focused on defining larger participants in the digital consumer payment application market. Furthermore, HR294 provides for considerations related to H.R. 1526, which seeks to limit the authority of district courts concerning injunctive relief, and H.R. 22, which proposes requiring proof of citizenship for voter registration in federal elections.

Sentiment

The sentiment around HR294 is mixed, with proponents viewing the resolution as a necessary step towards deregulating overly stringent rules that restrict financial institutions and complicate their operations. In contrast, critics identify a risk in loosening regulations, arguing that it could endanger consumer protections and lead to heightened vulnerabilities, particularly for disadvantaged populations who may rely on these financial services. The debate thus reflects deeper ideological divides regarding the role of government in regulating private financial enterprises.

Contention

Notably, the bill prompts contention over issues of consumer protection versus corporate freedom. Opponents of the joint resolutions are particularly concerned that the disapproval of existing regulations could exacerbate issues such as overdraft fees and unregulated digital payment practices, which many argue disproportionately affect low-income consumers. Furthermore, the proposal to require proof of citizenship for voter registration has raised alarms about potential disenfranchisement, indicating that while some measures aim to bolster security and accountability, they could also hinder access to fundamental democratic processes.

Congress_id

119-HRES-294

Policy_area

Congress

Introduced_date

2025-04-07

Companion Bills

US HB22

Related SAVE Act Safeguard American Voter Eligibility Act

US SJR18

Related A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".

US HB1526

Related No Rogue Rulings Act or NORRAThis bill limits the authority of federal district courts to issue injunctions.Specifically, it prohibits a district court from issuing an injunction unless the injunction applies only to the parties of the particular case before the court.

US SJR28

Related A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications".

US HR282

Related Providing for consideration of the joint resolution (S.J. Res. 18) disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions''; providing for consideration of the joint resolution (S.J. Res. 28) disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to ''Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications''; providing for consideration of the bill (H.R. 1526) to amend title 28, United States Code, to limit the authority of district courts to provide injunctive relief, and for other purposes; providing for consideration of the bill (H.R. 22) to amend the National Voter Registration Act of 1993 to require proof of United States citizenship to register an individual to vote in elections for Federal office, and for other purposes; and for other purposes.

US HR287

Related Providing for the consideration of S.J. Res. 18, S.J. Res 24, H.R. 1526, and H.R. 22.

US HR293

Related Providing for the announcement of pairs from a written list furnished to the Clerk, and for other purposes.

Previously Filed As

US HR891

Providing for consideration of the bill (H.R. 5283) to prohibit the use of Federal funds to provide housing to specified aliens on any land under the administrative jurisdiction of the Federal land management agencies; providing for consideration of the bill (H.R. 5961) to freeze certain Iranian funds involved in the 2023 hostage deal between the United States and Iran, and for other purposes; and providing for consideration of the joint resolution (S. J. Res. 32) 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 "Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)".

US HR947

Providing for consideration of the bill (H.R. 788) to limit donations made pursuant to settlement agreements to which the United States is a party, and for other purposes; providing for consideration of the joint resolution (H.J. Res. 98) providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the National Labor Relations Board relating to "Standard for Determining Joint Employer Status''; and providing for consideration of the joint resolution (S.J. Res. 38) providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Federal Highway Administration relating to "Waiver of Buy America Requirements for Electric Vehicle Chargers''.

US HR1616

Providing for consideration of the bill (H.R. 115) to amend chapter 8 of title 5, United States Code, to provide for en bloc consideration in resolutions of disapproval for "midnight rules'', and for other purposes.

US HR383

Providing for consideration of the bill (H.R. 2) to secure the borders of the United States, and for other purposes, and providing for consideration of the bill (H.R. 1163) to provide incentives for States to recover fraudulently paid Federal and State unemployment compensation, and for other purposes.

US HR199

Providing for consideration of the bill (H.R. 140) to amend title 5, United States Code, to prohibit Federal employees from advocating for censorship of viewpoints in their official capacity, and for other purposes; providing for consideration of the joint resolution (H.J. Res. 27) providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of the Army, Corps of Engineers, Department of Defense and the Environmental Protection Agency relating to "Revised Definition of 'Waters of the United States'"; and providing for consideration of the bill (S. 619) to require the Director of National Intelligence to declassify information relating to the origin of COVID-19, and for other purposes.

US HR327

Providing for consideration of the bill (H.R. 2811) to provide for a responsible increase to the debt ceiling, and for other purposes, and providing for consideration of the joint resolution (H.J. Res. 39) disapproving the rule submitted by the Department of Commerce relating to "Procedures Covering Suspension of Liquidation, Duties and Estimated Duties in Accord With Presidential Proclamation 10414".

US HR1052

Providing for consideration of the bill (H.R. 2799) to make reforms to the capital markets of the United States, and for other purposes, and providing for consideration of the bill (H.R. 7511) to require the Secretary of Homeland Security to take into custody aliens who have been charged in the United States with theft, and for other purposes.

US HR97

Providing for consideration of the bill (H.R. 185) to terminate the requirement imposed by the Director of the Centers for Disease Control and Prevention for proof of COVID-19 vaccination for foreign travelers, and for other purposes; providing for consideration of the joint resolution (H.J. Res. 24) disapproving the action of the District of Columbia Council in approving the Local Resident Voting Rights Amendment Act of 2022; and providing for consideration of the joint resolution (H.J. Res. 26) disapproving the action of the District of Columbia Council in approving the Revised Criminal Code Act of 2022.

US HR429

Providing for consideration of the bill (H.R. 467) to amend the Controlled Substances Act with respect to the scheduling of fentanyl-related substances, and for other purposes; providing for consideration of the joint resolution (S.J. Res. 11) providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Environmental Protection Agency relating to "Control of Air Pollution From New Motor Vehicles: Heavy-Duty Engine and Vehicle Standards"; and providing for consideration of the joint resolution (H.J. Res. 45) providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Education relating to "Waivers and Modifications of Federal Student Loans".

US HR1341

Providing for consideration of the bill (H.R. 8281) to amend the National Voter Registration Act of 1993 to require proof of United States citizenship to register an individual to vote in elections for Federal office, and for other purposes; providing for consideration of the joint resolution (H.J. Res. 165) providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Education relating to "Nondiscrimination on the Basis of Sex in Education Programs or Activities Receiving Federal Financial Assistance"; providing for consideration of the bill (H.R. 8772) making appropriations for the Legislative Branch for the fiscal year ending September 30, 2025, and for other purposes; providing for consideration of the bill (H.R. 7700) to prohibit the Secretary of Energy from prescribing or enforcing energy conservation standards for dishwashers that are not cost-effective or technologically feasible, and for other purposes; and providing for consideration of the bill (H.R. 7637) to prohibit the Secretary of Energy from prescribing or enforcing energy conservation standards for refrigerators, refrigerator-freezers, and freezers that are not cost-effective or technologically feasible, and for other purposes.

Similar Bills

No similar bills found.