S.J.Res. 28 · 119th Congress · Senate

A joint resolution 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".

Enacted· Signed by President.
Introduced
Feb 27, 25
Passed Senate
Mar 5, 25
Passed House
Apr 9, 25
Sent to President
May 5, 25
Signed into Law
May 9, 25

Executive Summary

This joint resolution nullifies the final rule issued by the Consumer Financial Protection Bureau (CFPB) titled Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications and published on December 10, 2024. The rule defines larger participants in the general-use digital consumer payment application market (i.e., payment apps) that are subject to CFPB supervisory authority. The rule defines larger participants in this market as nonbanks (1) with an annual volume of at least 50 million transactions, and (2) that are not small business concerns.

Previous Versions

00Feb 27, 2025

This joint resolution nullifies the final rule issued by the Consumer Financial Protection Bureau (CFPB) titled Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications and published on December 10, 2024. The rule defines larger participants in the general-use digital consumer payment application market (i.e., payment apps) that are subject to CFPB supervisory authority. The rule defines larger participants in this market as nonbanks (1) with an annual volume of at least 50 million transactions, and (2) that are not small business concerns.

Action Timeline

28
  1. MAY 09, 2025Library of Congress

    Became Public Law No: 119-11.

    119Yea
    11Nay
    0NV
  2. MAY 09, 2025Library of Congress

    Signed by President.

  3. MAY 05, 2025Library of Congress

    Presented to President.

  4. APR 09, 2025House floor actions

    On passage Passed by the Yeas and Nays

    Roll Call #95

    219 - 211 (Roll no. 95). (text: CR H1514)

    219Yea
    211Nay
    0NV
  5. APR 09, 2025House floor actions

    Motion to reconsider laid on the table Agreed to without objection.

  6. APR 09, 2025House floor actions

    On passage Passed by the Yeas and Nays

    Roll Call #95

    219 - 211 (Roll no. 95). (text: CR H1514: 2)

    219Yea
    211Nay
    0NV
  7. APR 09, 2025Library of Congress

    Passed/agreed to in House

    Roll Call #95

    On passage Passed by the Yeas and Nays: 219 - 211 (Roll no. 95). (text: CR H1514: 2)

    219Yea
    211Nay
    0NV
  8. APR 09, 2025House floor actions

    Considered as unfinished business

    (consideration: CR H1532-1533)

    1532Yea
    1533Nay
    0NV
  9. APR 09, 2025House floor actions

    POSTPONED PROCEEDINGS - At the conclusion of debate on S.J

    Res. 28, 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.

  10. APR 09, 2025House floor actions

    The previous question was ordered pursuant to the rule.

  11. APR 09, 2025House floor actions

    DEBATE - The House proceeded with one hour of debate on S.J. Res. 28.

  12. APR 09, 2025House floor actions

    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.

  13. APR 09, 2025House floor actions

    Considered under the provisions of rule H

    Res. 294. (consideration: CR H1514-1519)

    1514Yea
    1519Nay
    0NV
  14. APR 07, 2025House floor actions

    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.

  15. APR 01, 2025House floor actions

    Rule H

    Res. 282 failed passage of House.

  16. APR 01, 2025House floor actions

    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.

  17. MAR 10, 2025House floor actions

    Held at the Desk

  18. MAR 10, 2025House floor actions

    Received in the House

  19. MAR 06, 2025Senate

    Message on Senate action sent to the House.

  20. MAR 05, 2025Senate

    Passed Senate without amendment by Yea-Nay Vote

    51 - 47. Record Vote Number: 106.

    51Yea
    47Nay
    0NV
  21. MAR 05, 2025Library of Congress

    Passed/agreed to in Senate

    Passed Senate without amendment by Yea-Nay Vote. 51 - 47. Record Vote Number: 106.

    51Yea
    47Nay
    0NV
  22. MAR 05, 2025Senate

    Considered by Senate. (consideration

    CR S1503, S1510-1511, S1520-1521)

    1510Yea
    1511Nay
    0NV
  23. MAR 04, 2025Senate

    Measure laid before Senate by motion

    (consideration: CR S1489)

  24. MAR 04, 2025Senate

    Motion to proceed to consideration of measure agreed to in Senate by Yea-Nay Vote. 50 - 47. Record Vote Number: 103. (CR S1489)

    50Yea
    47Nay
    0NV
  25. MAR 04, 2025Senate

    Placed on Senate Legislative Calendar under General Orders. Calendar No. 20.

  26. MAR 04, 2025Library of Congress

    Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c).

  27. FEB 27, 2025Senate

    Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

  28. FEB 27, 2025Library of Congress

    Introduced in Senate

Committees

1

Banking, Housing, and Urban Affairs Committee

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Referred: Mar 4, 2025

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