US Federal 2025-2026 Regular Session

US Federal 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 HR294

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 SJR28

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 SJR18

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

US HJR64

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 HJR59

Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".

US HR122

Providing for consideration of the bill (H.R. 77) 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 HR879

Providing for consideration of the joint resolution (S.J. Res. 80) providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Land Management relating to ''National Petroleum Reserve in Alaska Integrated Activity Plan Record of Decision''; providing for consideration of the joint resolution (H.J. Res. 130) providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Land Management relating to ''Buffalo Field Office Record of Decision and Approved Resource Management Plan Amendment''; providing for consideration of the joint resolution (H.J. Res. 131) providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Land Management relating to ''Coastal Plain Oil and Gas Leasing Program Record of Decision''; providing for consideration of the concurrent resolution (H. Con. Res. 58) denouncing the horrors of socialism; providing for consideration of the bill (H.R. 1949) to repeal restrictions on the export and import of natural gas; providing for consideration of the bill (H.R. 3109) to require the Secretary of Energy to direct the National Petroleum Council to issue a report with respect to petrochemical refineries in the United States, and for other purposes; providing for consideration of the bill (H.R. 5107) to repeal the Comprehensive Policing and Justice Reform Amendment Act of 2022 enacted by the District of Columbia Council; providing for consideration of the bill (H.R. 5214) to require mandatory pretrial and post conviction detention for crimes of violence and dangerous crimes and require mandatory cash bail for certain offenses that pose a threat to public safety or order in the District of Columbia, and for other purposes; and for other purposes.

US SJR130

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".

US HR211

Providing for consideration of the joint resolution (H.J. Res. 25) providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Internal Revenue Service relating to "Gross Proceeds Reporting by Brokers That Regularly Provide Services Effectuating Digital Asset Sales"; providing for consideration of the bill (H.R. 1156) to amend the CARES Act to extend the statute of limitations for fraud under certain unemployment programs, and for other purposes; providing for consideration of the bill (H.R. 1968) making further continuing appropriations and other extensions for the fiscal year ending September 30, 2025, and for other purposes; and for other purposes.

US HR672

Providing for consideration of the bill (H.R. 4553) making appropriations for energy and water development and related agencies for the fiscal year ending September 30, 2026, and for other purposes; providing for consideration of the joint resolution (H.J. Res. 104) providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Land Management relating to ''Miles City Field Office Record of Decision and Approved Resource Management Plan Amendment''; providing for consideration of the joint resolution (H.J. Res. 105) providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Land Management relating to ''North Dakota Field Office Record of Decision and Approved Resource Management Plan''; providing for consideration of the joint resolution (H.J. Res. 106) providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Land Management relating to ''Central Yukon Record of Decision and Approved Resource Management Plan''; and for other purposes.

Similar Bills

No similar bills found.