SJRES 18 — A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".
Congress 119
Latest action: — Became Public Law No: 119-10.
Sponsors
- Moreno, Bernie (R, OH-S) — cosponsor
- Ricketts, Pete (R, NE-S) — cosponsor
- Tillis, Thomas (R, NC-S) — cosponsor
Lobbied by (3)
LDA filings that named this bill in their activity descriptions. The lobbying firm (registrant) is paid by the client to lobby on this and related issues.
| Filing | Period | Registrant (lobbying firm) | Client | Income | Matched |
|---|---|---|---|---|---|
| 1st Quarter - Report | 2026 first_quarter | CALIFORNIA AND NEVADA CREDIT UNION LEAGUES | CALIFORNIA AND NEVADA CREDIT UNION LEAGUES | — | SJRes 18 |
| 1st Quarter - Report | 2026 first_quarter | CONSUMER BANKERS ASSOCIATION | CONSUMER BANKERS ASSOCIATION | — | S.J.Res. 18 |
| 1st Quarter - Report | 2026 first_quarter | BANK POLICY INSTITUTE | BANK POLICY INSTITUTE | — | S.J. Res. 18 |
Action timeline
- — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- · 10000 — Introduced in Senate
- — Measure laid before Senate by motion. (consideration: CR S1864)
- — Motion to proceed to consideration of measure agreed to in Senate by Yea-Nay Vote. 52 - 47. Record Vote Number: 152.
- — Placed on Senate Legislative Calendar under General Orders. Calendar No. 34.
- — Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c).
- · 14500 — Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c).
- — Passed Senate without amendment by Yea-Nay Vote. 52 - 48. Record Vote Number: 153. (text: CR S1884)
- · 17000 — Passed/agreed to in Senate: Passed Senate without amendment by Yea-Nay Vote. 52 - 48. Record Vote Number: 153.
- — Considered by Senate. (consideration: CR S1879, S1884)
- · H15000 — Held at the desk.
- · H14000 — Received in the House.
- — Message on Senate action sent to the House.
- · H1L210 — Rules Committee Resolution H. Res. 282 Reported to House. Rule provides for consideration of H.R. 22, H.R. 1526, S.J. Res. 18 and S.J. Res. 28. 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.
- · H1L210 — Rules Committee Resolution H. Res. 294 Reported to House. Rule provides for consideration of S.J. Res. 18, S.J. Res. 28, H.R. 1526 and H.R. 22. 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.
- · H38310 — Motion to reconsider laid on the table Agreed to without objection.
- · H37100 — On passage Passed by the Yeas and Nays: 217 - 211 (Roll no. 96). (text: CR H1519)
- · 8000 — Passed/agreed to in House: On passage Passed by the Yeas and Nays: 217 - 211 (Roll no. 96). (text: CR H1519: 1)
- · H30000 — Considered as unfinished business. (consideration: CR H1533)
- · H8D000 — POSTPONED PROCEEDINGS - At the conclusion of debate on S.J. Res. 18, the Chair put the question on passage of the joint resolution and by voice vote, announced that the ayes had prevailed. Mr. Hill (AR) demanded the yeas and nays and the Chair postponed further proceedings until a time to be announced.
- · H35000 — The previous question was ordered pursuant to the rule.
- · H8D000 — DEBATE - The House proceeded with one hour of debate on S.J. Res. 18.
- · H8D000 — Rule provides for consideration of S.J. Res. 18, S.J. Res. 28, H.R. 1526 and H.R. 22. 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.
- · H30000 — Considered under the provisions of rule H. Res. 294. (consideration: CR H1519-1525)
- · E20000 — Presented to President.
- · 28000 — Presented to President.
- · E40000 — Became Public Law No: 119-10.
- · 36000 — Became Public Law No: 119-10.
- · E30000 — Signed by President.
- · 36000 — Signed by President.
Text versions
- Introduced in Senate · 2025-02-13 — open
- Placed on Calendar Senate · 2025-03-26 — open
- Engrossed in Senate · 2025-03-27 — open
- Public Law · 2025-05-10 — United States Legislative Markup
- Enrolled Bill — open
Connected on the graph
Inbound (6)
| date | from | type | amount | role | source |
|---|---|---|---|---|---|
| — | Moreno, Bernie | cosponsor_of_bill | — | cosponsor | sponsorship |
| — | Ricketts, Pete | cosponsor_of_bill | — | cosponsor | sponsorship |
| — | Tillis, Thomas | cosponsor_of_bill | — | cosponsor | sponsorship |
| 2026-01-01 | BANK POLICY INSTITUTE | lobbies_on_bill | — | S.J. Res. 18 | lobbying_bill_mention |
| 2026-01-01 | CALIFORNIA AND NEVADA CREDIT UNION LEAGUES | lobbies_on_bill | — | SJRes 18 | lobbying_bill_mention |
| 2026-01-01 | CONSUMER BANKERS ASSOCIATION | lobbies_on_bill | — | S.J.Res. 18 | lobbying_bill_mention |
Who matters
Members ranked by combined influence on this bill: role (sponsor 5 / cosponsor 1), capped speech count from the Congressional Record, and recorded-vote engagement.
| # | Member | Role | Speeches | Voted | Score |
|---|---|---|---|---|---|
| 1 | Ricketts, Pete (R, senate NE) | cosponsor | 3 | — | 4 |
| 2 | Moreno, Bernie (R, senate OH) | cosponsor | 0 | — | 1 |
| 3 | Tillis, Thomas (R, senate NC) | cosponsor | 0 | — | 1 |
Who's influencing them
Orgs ranked by combined money flow on this bill: LDA filings citing the bill + individual contributions in cycle 2026from donors whose employer matches the org name (Schedule A) to any principal committee in the "who matters" list above.
| # | Org | LDA filings | LDA spend | Donor employees | Employee donations | Total |
|---|---|---|---|---|---|---|
| 1 | pearson & associates | 0 | $0 | 14 | $16,303 | $16,303 |
| 2 | u.s. travel association | 0 | $0 | 2 | $13,181 | $13,181 |
| 3 | s-3 group | 0 | $0 | 2 | $8,000 | $8,000 |
| 4 | herman dinklage inc | 0 | $0 | 1 | $7,000 | $7,000 |
| 5 | csi aviation | 0 | $0 | 1 | $7,000 | $7,000 |
| 6 | quick trip | 0 | $0 | 1 | $3,300 | $3,300 |
| 7 | tamaroff mts | 0 | $0 | 1 | $2,000 | $2,000 |
| 8 | premier realty michigan, llc | 0 | $0 | 1 | $2,000 | $2,000 |
| 9 | eaton steel bar company | 0 | $0 | 1 | $2,000 | $2,000 |
| 10 | holtzman vogel, pllc | 0 | $0 | 1 | $1,800 | $1,800 |
| 11 | imperative execution inc. | 0 | $0 | 1 | $1,500 | $1,500 |
| 12 | none | 0 | $0 | 38 | $1,422 | $1,422 |
| 13 | gardner white | 0 | $0 | 1 | $1,000 | $1,000 |
| 14 | detroit venture partners | 0 | $0 | 1 | $1,000 | $1,000 |
| 15 | hw kaufman group | 0 | $0 | 1 | $1,000 | $1,000 |
| 16 | williams and jensen | 0 | $0 | 1 | $1,000 | $1,000 |
| 17 | williams and jensen, pllc | 0 | $0 | 1 | $1,000 | $1,000 |
| 18 | associated dermatologist | 0 | $0 | 1 | $1,000 | $1,000 |
| 19 | bluff point assoc. | 0 | $0 | 1 | $1,000 | $1,000 |
| 20 | self employed | 0 | $0 | 2 | $524 | $524 |
| 21 | acme | 0 | $0 | 1 | $500 | $500 |
| 22 | deloitte pac | 0 | $0 | 1 | $500 | $500 |
| 23 | unemployed | 0 | $0 | 1 | $100 | $100 |
| 24 | tremco | 0 | $0 | 1 | $50 | $50 |
| 25 | heliqwest | 0 | $0 | 1 | $50 | $50 |
Predicted vote
Aggregated from: actual roll-call votes (when present) → sponsor → cosponsor → party median (predicts YES when ≥25% of the caucus sponsored/cosponsored). Each row labels its confidence tier so you can see why a position was predicted.
104 predicted yes (16%) · 313 predicted no (49%) · 224 unknown (35%)
By party: · R: 104 yes / 2 no / 223 unknown · D: 0 yes / 306 no / 1 unknown · I: 0 yes / 5 no
50 high-confidence positions (voted + sponsor + cosponsor) — showing top 50
- Alsobrooks, Angela D. (D · senate · MD) · voted
- Alsobrooks, Angela D. (D · senate · MD) · voted
- Baldwin, Tammy (D · senate · WI) · voted
- Baldwin, Tammy (D · senate · WI) · voted
- Banks, Jim (R · senate · IN) · voted
- Banks, Jim (R · senate · IN) · voted
- Barrasso, John (R · senate · WY) · voted
- Barrasso, John (R · senate · WY) · voted
- Bennet, Michael F. (D · senate · CO) · voted
- Bennet, Michael F. (D · senate · CO) · voted
- Blackburn, Marsha (R · senate · TN) · voted
- Blackburn, Marsha (R · senate · TN) · voted
- Blumenthal, Richard (D · senate · CT) · voted
- Blumenthal, Richard (D · senate · CT) · voted
- Blunt Rochester, Lisa (D · senate · DE) · voted
- Blunt Rochester, Lisa (D · senate · DE) · voted
- Booker, Cory A. (D · senate · NJ) · voted
- Booker, Cory A. (D · senate · NJ) · voted
- Boozman, John (R · senate · AR) · voted
- Boozman, John (R · senate · AR) · voted
- Britt, Katie Boyd (R · senate · AL) · voted
- Britt, Katie Boyd (R · senate · AL) · voted
- Budd, Ted (R · senate · NC) · voted
- Budd, Ted (R · senate · NC) · voted
- Cantwell, Maria (D · senate · WA) · voted
- Cantwell, Maria (D · senate · WA) · voted
- Capito, Shelley Moore (R · senate · WV) · voted
- Capito, Shelley Moore (R · senate · WV) · voted
- Cassidy, Bill (R · senate · LA) · voted
- Cassidy, Bill (R · senate · LA) · voted
- Collins, Susan M. (R · senate · ME) · voted
- Collins, Susan M. (R · senate · ME) · voted
- Coons, Christopher A. (D · senate · DE) · voted
- Coons, Christopher A. (D · senate · DE) · voted
- Cornyn, John (R · senate · TX) · voted
- Cornyn, John (R · senate · TX) · voted
- Cortez Masto, Catherine (D · senate · NV) · voted
- Cortez Masto, Catherine (D · senate · NV) · voted
- Cotton, Tom (R · senate · AR) · voted
- Cotton, Tom (R · senate · AR) · voted
- Cramer, Kevin (R · senate · ND) · voted
- Cramer, Kevin (R · senate · ND) · voted
- Crapo, Mike (R · senate · ID) · voted
- Crapo, Mike (R · senate · ID) · voted
- Cruz, Ted (R · senate · TX) · voted
- Cruz, Ted (R · senate · TX) · voted
- Curtis, John R. (R · senate · UT) · voted
- Curtis, John R. (R · senate · UT) · voted
- Daines, Steve (R · senate · MT) · voted
- Daines, Steve (R · senate · MT) · voted
Activity
Every typed-graph event involving this entity, newest first. Each row is one edge in the influence graph; click the date to jump to its provenance.
- 2026-05-17 · cosponsored by Tillis, Thomas (cosponsor) · sponsorship
- 2026-05-17 · cosponsored by Moreno, Bernie (cosponsor) · sponsorship
- 2026-05-17 · cosponsored by Ricketts, Pete (cosponsor) · sponsorship
- 2026-01-01 · lobbied on by CALIFORNIA AND NEVADA CREDIT UNION LEAGUES (sjres 18) · lobbying_bill_mention
- 2026-01-01 · lobbied on by BANK POLICY INSTITUTE (s.j. res. 18) · lobbying_bill_mention
- 2026-01-01 · lobbied on by CONSUMER BANKERS ASSOCIATION (s.j.res. 18) · lobbying_bill_mention