Bill · S.J.Res. 153· Senate(119-SJRES-153)
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 the withdrawal of the rule relating to "Bulletin 2022-06: Unfair Returned Deposited Item Fee Assessment Practices".
- Introduced
- 3/26/2026
- Last activity
- 3/26/2026 — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Sponsored by
- Ben Luján
- Cosponsors
- None
- Introduced
- In Committee
What this bill would do
This joint resolution seeks to provide for congressional disapproval of a specific rule submitted by the Bureau of Consumer Financial Protection. The rule in question relates to the withdrawal of a previous rule regarding "Bulletin 2022-06: Unfair Returned Deposited Item Fee Assessment Practices." If passed, the resolution dictates that the rule shall have no force or effect.
Yes· 3 of 9
Does this give people more protection from unfair business practices?+5
The resolution prevents the withdrawal of a rule designed to address unfair returned deposited item fee assessment practices.
Would households on low incomes be better off under this?+4
Preventing the withdrawal of rules regarding unfair fee assessments helps protect low-income bank users.
Would middle-income households be better off under this?+3
The resolution protects middle-income consumers from potentially unfair fee assessment practices.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- Maintaining previous regulations: By disapproving the withdrawal of the previous rule, the resolution aims to prevent the removal of the standards established in "Bulletin 2022-06: Unfair Returned Deposited Item Fee Assessment Practices" (87 Fed. Reg. 66940 (November 7, 2022)).
Potential Negative Impacts for People
- No specific negative impacts are listed: The provided text does not explicitly state any negative consequences or burdens resulting from this resolution.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Low Income Households+4Good For African Americans+3Good For Asian Americans+3Good For Hispanic Americans+3Good For Middle Class Households+3Good For Native Americans+3Good For White Americans+3
- Economy And Finance
- Improves Consumer Protection+5
- Governance And Ideology
- Improves Government Transparency+2
- 3/26/2026
- Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Introduced in Senate
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.