Bills / S.J.Res. 18
S.J.Res. 18
A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".
In plain English
This resolution would cancel a Consumer Financial Protection Bureau rule on overdraft charges at very large financial institutions. The rule requires these institutions to cap charges at $5, justify a higher cap, or treat overdrafts as credit and follow federal lending disclosure rules. It affects these institutions and customers who overdraw their accounts.
Simplified by AI from the Congressional Research Service summary. Check the full text on Congress.gov.
Sponsor and status
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How South Carolina voted
On the Joint Resolution · Senate roll call 153 · 2025-03-27 · Roll-call record ↗
| Darline Graham (R) | Lindsey Graham (R) | Tim Scott (R) |
|---|---|---|
| Not serving | Yea | Yea |
Who lobbied
Lobbying reports name the bills a client worked on. They don't say which side anyone took.
77 reports from 23 clients reporting $190,843,422 in fees and expenses. Fees cover each report's whole lobbying effort, not just this bill.
Businesses and trade groups (16)
- CHAMBER OF COMMERCE OF THE U.S.A. ↗8 reports
- AMAZON.COM SERVICES LLC ↗Tech · 3 reports
- CONSUMER BANKERS ASSOCIATION ↗7 reports
- AMERICAN BANKERS ASSOCIATION ↗3 reports
- AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA ↗2 reports
- JPMORGAN CHASE HOLDINGS LLC ↗2 reports
- WELLS FARGO & COMPANY ↗Finance · 2 reports
- UNITED SERVICES AUTOMOBILE ASSOCIATION ↗2 reports
- CALIFORNIA AND NEVADA CREDIT UNION LEAGUES ↗7 reports
- GOWEST CREDIT UNION ASSOCIATION ↗7 reports
- NEW YORK BANKERS ASSOCIATION ↗8 reports
- BANK OF AMERICA CORPORATION ↗Finance · 1 report
- CENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP ↗1 report
- COMMUNITY BANKERS ASSOCIATION OF ILLINOIS ↗1 report
- SMALL BUSINESS & ENTREPRENEURSHIP COUNCIL (SBE COUNCIL) ↗1 report
- U.S. PUBLIC INTEREST RESEARCH GROUP ↗1 report
Advocacy groups and nonprofits (4)
- BANK POLICY INSTITUTE ↗7 reports
- AMERICANS FOR FINANCIAL REFORM ↗2 reports
- AMERICANS FOR TAX REFORM ↗3 reports
- DEMAND PROGRESS ACTION ↗1 report
Not classified (3)
Groupings are our label from each organization's name and industry, not its legal or tax status.
The connection table
Organizations that lobbied this bill, and money each gave South Carolina's delegates this cycle: its PAC's contributions (FEC) plus its lobbyists' reported contributions and event payments (LD‑203, group events excluded). Exact name matches only. An empty cell means no matching money was found. Under each name is that delegate’s final vote on the bill (passage or last substantive vote). Delegates who didn’t vote on it, for example because they weren’t serving, are grayed out and left out of the Total column.
None of the organizations that lobbied this bill gave money we could match to a South Carolina delegate.