Bill Summary
The legislation, designated as House Resolution 282, sets forth a framework for the consideration of several joint resolutions and bills in the House of Representatives.
1. **Disapproval of Rules by the Bureau of Consumer Financial Protection**:
- It allows for the consideration of two joint resolutions (S.J. Res. 18 and S.J. Res. 28) that disapprove rules related to overdraft lending practices of large financial institutions and the definition of larger participants in the market for digital consumer payment applications, respectively. The resolution waives all points of order against these joint resolutions, allowing for a streamlined debate process.
2. **Amendments to Title 28**:
- The resolution also provides for the consideration of bill H.R. 1526, which aims to limit the authority of district courts to grant injunctive relief. Similar to the joint resolutions, all points of order against this bill are waived, facilitating its discussion and potential passage.
3. **Amendments to the National Voter Registration Act**:
- Additionally, it includes the bill H.R. 22, which proposes amendments to the National Voter Registration Act of 1993, specifically requiring proof of U.S. citizenship for voter registration in federal elections. This bill, too, enjoys waived points of order for streamlined consideration.
4. **Procedural Rules**:
- Throughout the resolution, specific procedures are established for debate, including time allocations and the ability to commit motions. It ensures that parliamentary maneuvers do not obstruct the consideration of these items.
5. **Discharge Motions**:
- Finally, the resolution lays certain previous resolutions on the table and restricts motions to discharge related bills or resolutions, preventing similar legislation from being brought forth without following the established processes.
In summary, House Resolution 282 facilitates the expedited consideration of significant financial regulation and voter registration measures while establishing procedural safeguards to maintain order in legislative proceedings.
Possible Impacts
Here are three examples of how the legislation described in the provided resolution could affect people:
1. **Impact on Overdraft Fees**: The disapproval of the Bureau of Consumer Financial Protection's rule related to overdraft lending may lead to larger financial institutions maintaining or increasing overdraft fees. This could disproportionately affect low-income individuals or those living paycheck to paycheck, as they may rely on these financial services. Higher fees could lead to further financial strain, increased debt, and negative impacts on credit scores for vulnerable populations.
2. **Voter Registration Requirements**: The amendment to the National Voter Registration Act to require proof of U.S. citizenship for voter registration could significantly affect access to voting. Individuals who do not possess the required identification or proof of citizenship, such as certain minority groups, immigrants, and economically disadvantaged individuals, may find it more difficult to register and participate in elections. This could lead to decreased voter turnout and representation for these groups in federal elections.
3. **Limitations on Injunctive Relief**: The amendment to limit the authority of district courts to provide injunctive relief could impact individuals seeking immediate protection against unlawful actions by institutions or entities. For example, if a group of individuals were facing unfair practices by a corporation, such as environmental violations or violations of consumer rights, the inability to secure immediate injunctive relief could delay justice and exacerbate harm. This limitation might discourage individuals from pursuing legal action, knowing that timely relief could be unattainable.
[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H. Res. 282 Reported in House (RH)]
<DOC>
House Calendar No. 14
119th CONGRESS
1st Session
H. RES. 282
[Report No. 119-49]
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.''
_______________________________________________________________________
IN THE HOUSE OF REPRESENTATIVES
April 1, 2025
Mr. Griffith, from the Committee on Rules, reported the following
resolution; which was referred to the House Calendar and ordered to be
printed
_______________________________________________________________________
RESOLUTION
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.''
Resolved, That upon adoption of this resolution it shall be in
order to consider in the House 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''. All points of order against consideration of the joint
resolution are waived. The joint resolution shall be considered as
read. All points of order against provisions in the joint resolution
are waived. The previous question shall be considered as ordered on the
joint resolution and on any amendment thereto to final passage without
intervening motion except: (1) one hour of debate equally divided and
controlled by the chair and ranking minority member of the Committee on
Financial Services or their respective designees; and (2) one motion to
commit.
Sec. 2. Upon adoption of this resolution it shall be in order to
consider in the House 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''. All points of order against
consideration of the joint resolution are waived. The joint resolution
shall be considered as read. All points of order against provisions in
the joint resolution are waived. The previous question shall be
considered as ordered on the joint resolution and on any amendment
thereto to final passage without intervening motion except: (1) one
hour of debate equally divided and controlled by the chair and ranking
minority member of the Committee on Financial Services or their
respective designees; and (2) one motion to commit.
Sec. 3. Upon adoption of this resolution it shall be in order to
consider in the House 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. All points of order against
consideration of the bill are waived. The amendment in the nature of a
substitute recommended by the Committee on the Judiciary now printed in
the bill shall be considered as adopted. The bill, as amended, shall be
considered as read. All points of order against provisions in the bill,
as amended, are waived. The previous question shall be considered as
ordered on the bill, as amended, and on any further amendment thereto,
to final passage without intervening motion except: (1) one hour of
debate equally divided and controlled by the chair and ranking minority
member of the Committee on the Judiciary or their respective designees;
and (2) one motion to recommit.
Sec. 4. Upon adoption of this resolution it shall be in order to
consider in the House 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. All points of order against consideration of the
bill are waived. The bill shall be considered as read. All points of
order against provisions in the bill are waived. The previous question
shall be considered as ordered on the bill and on any amendment thereto
to final passage without intervening motion except: (1) one hour of
debate equally divided and controlled by the chair and ranking minority
member of the Committee on House Administration or their respective
designees; and (2) one motion to recommit.
Sec. 5. (a) House Resolution 23 and House Resolution 164 are laid
on the table.
(b)(1) A motion to discharge a committee from consideration of a
bill or resolution that, by relating in substance to or dealing with
the same subject matter, is substantially the same as House Resolution
23 shall not be in order.
(b)(2) A motion to discharge the Committee on Rules from
consideration of a resolution providing a special order of business for
the consideration of a bill or resolution that, by relating in
substance to or dealing with the same subject matter, is substantially
the same as House Resolution 23 shall not be in order.
(c) A motion to discharge on the Calendar of Motions to Discharge
Committees that is rendered out of order pursuant to subsection (b)
shall be stricken from that calendar.
House Calendar No. 14
119th CONGRESS
1st Session
H. RES. 282
[Report No. 119-49]
_______________________________________________________________________
RESOLUTION
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.''
_______________________________________________________________________
April 1, 2025
Referred to the House Calendar and ordered to be printed