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.

Bill Number: H.Res. 282
Origin Chamber: House
Congress: 119th Congress, Session 1
Policy Area: Congress
Status: Failed House
Latest Action: 2025-04-01: Motion to reconsider laid on the table Agreed to without objection.
Last Updated: 2025-10-09T00:11:26Z

AI-Generated Summary

Purpose

H. Res. 282 is a procedural resolution that establishes the rules for debating and voting on four specific legislative measures in the U.S. House of Representatives. It streamlines the floor consideration process by waiving certain procedural objections (points of order), limiting debate, and restricting amendments, allowing these measures to advance efficiently without standard delays.

Key Provisions

Consideration of S.J. Res. 18: Allows immediate debate on this joint resolution, which disapproves a Bureau of Consumer Financial Protection (CFPB) rule regulating overdraft lending practices by very large financial institutions. Provides 1 hour of debate (split equally between majority and minority leaders of the House Financial Services Committee) and permits one motion to commit (send back to committee for changes). Treats the resolution as read and orders a vote after debate.
Consideration of S.J. Res. 28: Similar process for this joint resolution disapproving a CFPB rule that defines larger market participants in general-use digital consumer payment applications (e.g., apps like digital wallets). Includes 1 hour of debate controlled by Financial Services Committee leaders and one motion to commit.
Consideration of H.R. 1526: Sets rules for this bill amending U.S. Code Title 28 (federal court procedures) to restrict district courts' power to issue injunctive relief (court orders to stop or require actions). Adopts a pre-approved substitute amendment from the Judiciary Committee, allows 1 hour of debate split between Judiciary Committee leaders, and permits one motion to recommit (similar to commit but for final changes).
Consideration of H.R. 22: Provides for debate on this bill amending the 1993 National Voter Registration Act to mandate proof of U.S. citizenship (e.g., documents like a passport or birth certificate) for registering to vote in federal elections. Includes 1 hour of debate controlled by House Administration Committee leaders and one motion to recommit.
Additional Procedural Steps (Section 5): Sets aside (lays on the table) prior House Resolutions 23 and 164, preventing new discharge motions (procedures to force committee action) on similar topics, which blocks alternative paths for related legislation.

Significant Changes to Existing Law

This resolution itself does not directly amend laws; it is a House rule that facilitates consideration of the four measures. If passed, those measures could:

Overturn recent CFPB regulations on overdraft fees and digital payments (via S.J. Res. 18 and 28, using the Congressional Review Act, which allows Congress to nullify agency rules).
Limit federal judges' ability to issue nationwide injunctions (via H.R. 1526), potentially narrowing court oversight of executive actions.
Add a citizenship proof requirement to federal voter registration (via H.R. 22), altering current self-attestation processes under the National Voter Registration Act.

Potential Impacts

On Government Agencies: Could weaken CFPB's regulatory authority over large banks and digital payment providers, reducing oversight of consumer financial products. May limit federal courts' role in blocking executive policies, affecting agencies like the Department of Justice or environmental regulators.
On Citizens: Might increase barriers to voter registration for federal elections (e.g., requiring documents that some lack), potentially affecting turnout among eligible voters without easy access to proof. Could lower costs for consumers by blocking CFPB rules on overdraft fees but reduce protections against predatory lending.
On International Relations: Minimal direct impact, though changes to digital payment rules could indirectly affect U.S. fintech firms' global competitiveness.

Main Stakeholders Affected

Financial Institutions and Tech Companies: Large banks and digital payment providers (e.g., those handling overdrafts or apps like Venmo) benefit from blocked CFPB rules, facing less regulation.
Voters and Election Officials: U.S. citizens, particularly those in underserved communities, may face new hurdles in registering to vote; state and local election administrators would need to implement citizenship verification systems.
Federal Courts and Judiciary: Judges and litigants in cases involving government actions could see reduced use of injunctive relief, altering how challenges to policies (e.g., on immigration or environment) are handled.
Consumers: Individuals using banking or digital payment services might gain or lose protections depending on the fate of the CFPB rules.
Congressional Committees: Financial Services, Judiciary, and House Administration Committees gain structured debate control.

Notable Legal, Constitutional, or Political Implications

Legal: Relies on the Congressional Review Act for the joint resolutions, enabling quick reversal of agency rules without new legislation. H.R. 1526 could raise separation-of-powers questions by curbing judicial authority, potentially leading to Supreme Court challenges on federal courts' equitable powers under Article III of the Constitution.
Constitutional: H.R. 22's voter ID requirement might face scrutiny under the 14th and 15th Amendments (equal protection and voting rights), as it could disproportionately impact certain groups; critics may argue it conflicts with the Constitution's guarantee of voting rights for citizens.
Political: As a majority-led procedural rule, it reflects partisan priorities (e.g., deregulation and election security), potentially accelerating Republican-backed measures in a divided Congress. Waiving points of order limits minority input, which could heighten partisan tensions but expedite floor action in the 119th Congress.

This summary was generated by AI and may contain inaccuracies. Refer to the official source document for the authoritative text.

Sponsor

Rep. Griffith, H. Morgan [R-VA-9]

Recent Actions

2025-04-01: Motion to reconsider laid on the table Agreed to without objection.
2025-04-01: On agreeing to the resolution Failed by recorded vote: 206 - 222 (Roll no. 87). (Roll call 87)
2025-04-01: Failed of passage/not agreed to in House On agreeing to the resolution Failed by recorded vote: 206 - 222 (Roll no. 87). (Roll call 87)
2025-04-01: On ordering the previous question Agreed to by the Yeas and Nays: 215 - 213 (Roll no. 86). (consideration: CR H1397-1398) (Roll call 86)
2025-04-01: DEBATE - The House proceeded with one hour of debate on H. Res. 282.
2025-04-01: Considered as privileged matter. (consideration: CR H1389; text: CR H1389-1390)
2025-04-01: Placed on the House Calendar, Calendar No. 14.
2025-04-01: The resolution provides for consideration of H.R. 22, H.R. 1526, S.J. Res. 18, and S.J. Res. 28 under a closed rule. The resolution provides for one hour of debate on each measure and one motion to recommit on H.R. 22 and H.R. 1526, and one motion to commit on S.J. Res. 18 and S.J. Res. 28. The resolution also provides that H. Res. 23 and H. Res. 164 are laid on the table.
2025-04-01: The House Committee on Rules reported an original measure, H. Rept. 119-49, by Mr. Griffith.
2025-04-01: The House Committee on Rules reported an original measure, H. Rept. 119-49, by Mr. Griffith.

Bill Versions

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." — issued 2025-04-01 — PDF (6 pages)