US Federal 2025-2026 Regular Session

US Federal House Bill HR287

Introduced
4/1/25  

Caption

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

Impact

If passed, HR287 would likely influence state laws concerning consumer protection and financial regulations. The disapproval of rules related to overdraft lending could lead to a relaxation of regulations that govern how financial institutions manage these services. This means that consumers may face less stringent requirements on overdraft fees while financial institutions could have more leeway in structuring their lending practices. Consequently, this could impact both consumer experiences and the operational frameworks of banks and credit unions on a state level.

Summary

HR287 is a resolution to provide for the consideration of several legislative measures related to consumer financial protection. Specifically, it aims to address the disapproval of rules submitted by the Bureau of Consumer Financial Protection regarding overdraft lending practices and the regulation of digital consumer payment applications. By setting in motion the consideration of these measures, the bill signifies a legislative intent to reevaluate the existing rules governing financial institutions and their practices concerning consumers.

Contention

The considerations around HR287 may stir considerable debate due to the implications for consumer protection. Advocates for stricter financial regulation might argue against the disapproval of the existing rules, suggesting that it undermines safeguards against predatory lending practices and could negatively affect vulnerable consumers. On the other hand, proponents of the bill contend that removing certain regulations would foster a more favorable environment for banks and can lead to increased innovation and flexibility in financial services, potentially benefiting consumers in the long run.

Congress_id

119-HRES-287

Policy_area

Congress

Introduced_date

2025-04-01

Companion Bills

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 HR294

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 HR94

Related Expressing support for the Nation's local public K-12 schools and condemning any actions that would defund public education or weaken or dismantle the Department of Education.

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 HR282

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 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 HR278

Providing for consideration of the bill (H.R. 185) to advance responsible policies.

US HR184

Providing for consideration of the bill (H.R. 185) to advance responsible policies.

US HR134

Providing for consideration of the bill (H.R. 185) to advance responsible policies.

US HR910

Providing for consideration of the bill (H.R. 185) to advance responsible policies.

US HR581

Providing for consideration of the bill (H.R. 185) to advance responsible policies.

US HR426

Providing for consideration of the joint resolution (S.J. Res. 13) providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency of the Department of the Treasury relating to the review of applications under the Bank Merger Act; providing for consideration of the joint resolution (S.J. Res. 31) providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Environmental Protection Agency relating to "Review of Final Rule Reclassification of Major Sources as Area Sources Under Section 112 of the Clean Air Act"; and waiving a requirement of clause 6(a) of rule XIII with respect to consideration of certain resolutions reported from the Committee on Rules.

US HR988

Providing for consideration of the bill (H.R. 2988) to amend the Employee Retirement Income Security Act of 1974 to specify requirements concerning the consideration of pecuniary and non-pecuniary factors, and for other purposes; providing for consideration of the bill (H.R. 2262) to amend the Fair Labor Standards Act of 1938 to exclude certain activities from hours worked, and for other purposes; providing for consideration of the bill (H.R. 2270) to amend the Fair Labor Standards Act of 1938 to exclude child and dependent care services and payments from the rate used to compute overtime compensation; providing for consideration of the bill (H.R. 2312) to amend the Fair Labor Standards Act of 1938 to revise the definition of the term ''tipped employee'', and for other purposes; and providing for consideration of the bill (H.R. 4366) to clarify the treatment of 2 or more employers as joint employers under the National Labor Relations Act and the Fair Labor Standards Act of 1938.

Similar Bills

No similar bills found.