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 Safeguard American Voter Eligibility Act or the SAVE ActThis bill requires individuals to provide documentary proof of U.S. citizenship when registering to vote in federal elections.Specifically, the bill prohibits states from accepting and processing an application to register to vote in a federal election unless the applicant presents documentary proof of U.S. citizenship. The bill specifies what documents are considered acceptable proof of U.S. citizenship, such as identification that complies with the REAL ID Act of 2005 that indicates U.S. citizenship.Further, the bill (1) prohibits states from registering an individual to vote in a federal election unless, at the time the individual applies to register to vote, the individual provides documentary proof of U.S. citizenship; and (2) requires states to establish an alternative process under which an applicant may submit other evidence to demonstrate U.S. citizenship.Each state must take affirmative steps on an ongoing basis to ensure that only U.S. citizens are registered to vote, which shall include establishing a program to identify individuals who are not U.S. citizens using information supplied by certain sources.Additionally, states must remove noncitizens from their official lists of eligible voters.The bill allows for a private right of action against an election official who registers an applicant to vote in a federal election who fails to present documentary proof of U.S. citizenship.The bill establishes criminal penalties for certain offenses, including registering an applicant to vote in a federal election who fails to present documentary proof of U.S. citizenship.

US SJR18

Related bill This joint resolution nullifies the final rule issued by the Consumer Financial Protection Bureau titled Overdraft Lending: Very Large Financial Institutions and published on December 30, 2024. The rule revises provisions regarding charges for insufficient funds in a customer’s bank account (i.e., overdrafts) at very large financial institutions. Under the rule, these institutions must (1) cap overdraft charges at $5; (2) with justification, cap charges at a higher amount; or (3) handle overdrafts as credit and comply with applicable Truth in Lending Act disclosure requirements.

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 This joint resolution nullifies the final rule issued by the Consumer Financial Protection Bureau (CFPB) titled Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications and published on December 10, 2024. The rule defines larger participants in the general-use digital consumer payment application market (i.e., payment apps) that are subject to CFPB supervisory authority. The rule defines larger participants in this market as nonbanks (1) with an annual volume of at least 50 million transactions, and (2) that are not small business concerns.

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.

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