Us Congress 2025-2026 Regular Session

Us Congress House Bill HR282

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 resolution also makes provisions for the consideration of HR 1526, which seeks to amend Title 28 of the United States Code by limiting the authority of district courts in granting injunctive relief. This change in judicial powers is aimed at potentially streamlining lawsuits against financial institutions, promoting a more business-friendly environment. Additionally, HR 22 is included, which proposes an amendment to the National Voter Registration Act to require proof of United States citizenship for voter registration. This facet of the resolution is likely to evoke significant debate around voter access and election integrity.

Summary

House Resolution 282 (HR282) is a resolution designed to facilitate the consideration of multiple legislative actions within the House of Representatives. Firstly, it proposes the disapproval of certain regulations set forth by the Bureau of Consumer Financial Protection, particularly concerning overdraft lending and the categorization of larger participants in the digital payment market. These resolutions (referred to as S.J. Res. 18 and S.J. Res. 28) are intended to challenge existing consumer protection rules, arguing that they may impose unnecessary burdens on financial institutions, particularly large banks.

Contention

HR282 is expected to be contentious, mainly due to its implications for consumer protection and voting rights legislation. Critics may argue that disapproving the financial regulations could lead to exploitative practices in overdraft lending and digital payment processing, harming consumers instead of protecting them. Furthermore, the requirement for proof of citizenship in voter registration could face strong opposition concerning its potential to disenfranchise eligible voters, particularly in minority and marginalized communities. Thus, the resolution encapsulates a broader ideological divide regarding governmental regulation versus deregulation in financial markets and voting rights.

Congress_id

119-HRES-282

Policy_area

Congress

Introduced_date

2025-04-01

Companion Bills

US HB22

Related bill SAVE Act Safeguard American Voter Eligibility Act

US SJR18

Related bill 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 bill 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 bill 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 HR287

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

US HR294

Related bill 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.

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 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 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 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 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 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 HR495

Providing for consideration of the joint resolution (H.J. Res. 44) providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Alcohol, Tobacco, Firearms, and Explosives relating to "Factoring Criteria for Firearms with Attached 'stabilizing braces'"; providing for consideration of the bill (H.R. 277) to amend chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law; providing for consideration of the bill (H.R. 288) to amend title 5, United States Code, to clarify the nature of judicial review of agency interpretations of statutory and regulatory provisions; providing for consideration of the bill (H.R. 1615) to prohibit the use of Federal funds to ban gas stoves; and providing for consideration of the bill (H.R 1640) to prohibit the Secretary of Energy from finalizing, implementing, or enforcing the proposed rule titled "Energy Conservation Program: Energy Conservation Standards for Consumer Conventional Cooking Products", 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 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.

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