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Congress·In Committee·S.J.Res. 153

Bank Fees: Protecting Consumers from Bounced Check Charges

A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Bulletin 2022-06: Unfair Returned Deposited Item Fee Assessment Practices".

6 days ago·View on Congress.gov·Read full text

This bill is currently in the early stages of the legislative process. It has been sent to the Senate Committee on Banking, Housing, and Urban Affairs for review. No further actions are scheduled at this time.

Passage Likelihood

25%Unlikely

This resolution faces a difficult path because it seeks to overturn an agency decision, which usually requires strong support in both the House and Senate.

  • ·Introduced by majority party member
  • ·Targeting bank junk fees
  • ·Requires bipartisan support to pass

Legislative Progress

Senate
House
President
Law

Key Points

  • This resolution aims to stop the Consumer Financial Protection Bureau from canceling rules that protect people from certain bank fees. It specifically targets a May 2025 decision to stop regulating fees charged when a check someone tries to deposit bounces.
  • The original rules were designed to prevent banks from charging junk fees to customers who had no way of knowing a check they received was bad. This resolution would keep those protections active.
  • If passed, the government would continue to treat these specific bank fees as unfair practices. This helps everyday people keep more of their money instead of losing it to unexpected bank charges they did not cause.

Milestones

2 milestones2 actions
Mar 26, 2026Senate

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

Sent to a congressional committee for expert review. The committee decides whether this bill moves forward.

Mar 26, 2026

Introduced in Senate

The bill was officially filed and given a number. It now enters the legislative queue.

Source Information

Document Type

Congressional Bill

Official Title

A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Bulletin 2022-06: Unfair Returned Deposited Item Fee Assessment Practices".

Bill NumberSJRES 153
Congress119th Congress
ChamberSenate
Latest ActionRead twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Read Full Bill Text

Sponsor

Analysis generated by AI. Always verify with official sources.