S.J.Res. 18 · 119th Congress · enacted
A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".
Became Public Law No: 119-10.
Latest official action 2025-05-09 · Enacted
The bill, briefly
This joint resolution nullifies the final rule issued by the Consumer Financial Protection Bureau titled Overdraft Lending: Very Large Financial Institutions and published on December 30, 2024. The rule revises provisions regarding charges for insufficient funds in a customer’s bank account (i.e., overdrafts) at very large financial institutions. Under the rule, these institutions must (1) cap overdraft charges at $5; (2) with justification, cap charges at a higher amount; or (3) handle overdrafts as credit and comply with applicable Truth in Lending Act disclosure requirements.
Congressional Research Service · 2025-05-09
Who reported lobbying on this bill?
Amount spent specifically on this bill: not disclosed
The reports below name this bill and disclose an organization’s overall lobbying expenses or a firm’s client income for the period. They can cover many bills and issues. These amounts are not payments to the bill or its politicians.
No matching lobbying report is imported yet. This is not evidence that no lobbying occurred.
2,409 latest lobbying reports imported. Some source imports are still in progress.
Politicians behind the bill
Sponsors and cosponsors from the official source, limited to members currently in office. Campaign amounts are cycle-wide and are not payments for this bill.
Sponsor
Tim Scott
Senate · SC · Republican
$205,300PAC receipts · 2025–2026
Cosponsor
Mike Rounds
Senate · SD · Republican
$1,655,055PAC receipts · 2025–2026
Cosponsor
Bill Hagerty
Senate · TN · Republican
$1,546,406PAC receipts · 2025–2026
Cosponsor
Mike Crapo
Senate · ID · Republican
$556,775PAC receipts · 2025–2026
Cosponsor
Thom Tillis
Senate · NC · Republican
$950,975PAC receipts · 2025–2026
Cosponsor
Kevin Cramer
Senate · ND · Republican
$206,812PAC receipts · 2025–2026
Cosponsor
Katie Boyd Britt
Senate · AL · Republican
$477,300PAC receipts · 2025–2026
Cosponsor
Jerry Moran
Senate · KS · Republican
$399,050PAC receipts · 2025–2026
Cosponsor
James E. Risch
Senate · ID · Republican
$1,137,421PAC receipts · 2025–2026
Cosponsor
John Boozman
Senate · AR · Republican
$288,200PAC receipts · 2025–2026
Cosponsor
Roger F. Wicker
Senate · MS · Republican
$118,700PAC receipts · 2025–2026
Cosponsor
Cynthia M. Lummis
Senate · WY · Republican
$543,186PAC receipts · 2025–2026
Cosponsor
Pete Ricketts
Senate · NE · Republican
$1,927,397PAC receipts · 2025–2026
Cosponsor
Bernie Moreno
Senate · OH · Republican
$275,000PAC receipts · 2025–2026
Cosponsor
Mike Lee
Senate · UT · Republican
$241,000PAC receipts · 2025–2026
Cosponsor
Steve Daines
Senate · MT · Republican
$877,638PAC receipts · 2025–2026
Cosponsor
John Thune
Senate · SD · Republican
$857,250PAC receipts · 2025–2026
16 of 16 source cosponsor records retrieved; only current officials and unwithdrawn sponsorships appear.
PAC donors to the listed sponsors
These are all-cycle contributions to the listed sponsors’ and cosponsors’ campaigns. FEC does not attribute them to this bill. A donation plus sponsorship does not establish why a politician acted.
MORTGAGE BANKERS ASSOCIATION POLITICAL ACTION COMMITTEE (MORPAC)$121,250
Mike Rounds · Cosponsor · $48,250
Bill Hagerty · Cosponsor · $21,750
Thom Tillis · Cosponsor · $5,000
Jerry Moran · Cosponsor · $5,000
Cynthia M. Lummis · Cosponsor · $5,000
Pete Ricketts · Cosponsor · $10,000
Steve Daines · Cosponsor · $5,000
John Thune · Cosponsor · $21,250
Official PAC recordIN THE ARENA PAC$57,500
Tim Scott · Sponsor · $5,000
Mike Rounds · Cosponsor · $5,000
Bill Hagerty · Cosponsor · $7,500
Mike Crapo · Cosponsor · $5,000
Kevin Cramer · Cosponsor · $5,000
Katie Boyd Britt · Cosponsor · $5,000
James E. Risch · Cosponsor · $5,000
Pete Ricketts · Cosponsor · $5,000
Bernie Moreno · Cosponsor · $5,000
Mike Lee · Cosponsor · $5,000
John Thune · Cosponsor · $5,000
Official PAC recordARKANSAS FOR LEADERSHIP POLITICAL ACTION COMMITTEE (ARKPAC)$55,000
Mike Rounds · Cosponsor · $10,000
Bill Hagerty · Cosponsor · $10,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $10,000
Cynthia M. Lummis · Cosponsor · $5,000
Pete Ricketts · Cosponsor · $10,000
Steve Daines · Cosponsor · $5,000
Official PAC recordCOMMON SENSE FOR AMERICA PAC$55,000
Mike Rounds · Cosponsor · $10,000
Bill Hagerty · Cosponsor · $10,000
James E. Risch · Cosponsor · $10,000
Cynthia M. Lummis · Cosponsor · $10,000
Pete Ricketts · Cosponsor · $10,000
Steve Daines · Cosponsor · $5,000
Official PAC recordTOMORROW IS MEANINGFUL PAC$55,000
Mike Rounds · Cosponsor · $10,000
Bill Hagerty · Cosponsor · $10,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $10,000
Cynthia M. Lummis · Cosponsor · $5,000
Pete Ricketts · Cosponsor · $10,000
Steve Daines · Cosponsor · $5,000
Official PAC recordCONOCOPHILLIPS SPIRIT PAC$52,000
Mike Rounds · Cosponsor · $2,500
Bill Hagerty · Cosponsor · $2,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $7,500
Cynthia M. Lummis · Cosponsor · $2,500
Pete Ricketts · Cosponsor · $5,000
Mike Lee · Cosponsor · $2,500
Steve Daines · Cosponsor · $15,000
John Thune · Cosponsor · $10,000
Official PAC recordAMERICAN INSTITUTE OF CERTIFIED PUBLIC ACCOUNTANTS POLITICAL ACTION COMMITTEE$51,675
Mike Rounds · Cosponsor · $10,000
Bill Hagerty · Cosponsor · $10,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $10,000
Cynthia M. Lummis · Cosponsor · $4,175
Pete Ricketts · Cosponsor · $10,000
Steve Daines · Cosponsor · $2,500
Official PAC recordBEST AT BRINGING ENTREPRENEURIAL RESULTS NEVER IMAGINED OR ENVISIONED PAC$50,000
Mike Rounds · Cosponsor · $10,000
Bill Hagerty · Cosponsor · $10,000
James E. Risch · Cosponsor · $10,000
Cynthia M. Lummis · Cosponsor · $5,000
Pete Ricketts · Cosponsor · $10,000
Steve Daines · Cosponsor · $5,000
Official PAC recordCHEVRON EMPLOYEES POLITICAL ACTION COMMITTEE - CHEVRON CORPORATION$50,000
Mike Rounds · Cosponsor · $10,000
Bill Hagerty · Cosponsor · $5,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $5,000
Cynthia M. Lummis · Cosponsor · $5,000
Pete Ricketts · Cosponsor · $10,000
Mike Lee · Cosponsor · $5,000
Steve Daines · Cosponsor · $5,000
Official PAC recordTHE HAWKEYE PAC$50,000
Mike Rounds · Cosponsor · $10,000
Bill Hagerty · Cosponsor · $5,000
James E. Risch · Cosponsor · $10,000
Cynthia M. Lummis · Cosponsor · $5,000
Pete Ricketts · Cosponsor · $10,000
Steve Daines · Cosponsor · $10,000
Official PAC recordEMPLOYEES OF NORTHROP GRUMMAN CORPORATION PAC$47,500
Mike Rounds · Cosponsor · $7,500
Bill Hagerty · Cosponsor · $5,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $10,000
Cynthia M. Lummis · Cosponsor · $5,000
Pete Ricketts · Cosponsor · $10,000
Steve Daines · Cosponsor · $5,000
Official PAC recordGENERAL DYNAMICS CORPORATION POLITICAL ACTION COMMITTEE (GENERAL DYNAMICS EMPLOYEE PAC)$47,000
Mike Rounds · Cosponsor · $10,000
Bill Hagerty · Cosponsor · $10,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $10,000
Pete Ricketts · Cosponsor · $10,000
Steve Daines · Cosponsor · $2,000
Official PAC recordGOOGLE LLC NETPAC$46,500
Mike Rounds · Cosponsor · $10,000
Bill Hagerty · Cosponsor · $7,500
Thom Tillis · Cosponsor · $3,500
James E. Risch · Cosponsor · $5,000
Cynthia M. Lummis · Cosponsor · $1,500
Pete Ricketts · Cosponsor · $10,000
Mike Lee · Cosponsor · $2,500
Steve Daines · Cosponsor · $6,500
Official PAC recordPRICEWATERHOUSECOOPERS POLITICAL ACTION COMMITTEE I$46,500
Mike Rounds · Cosponsor · $9,000
Bill Hagerty · Cosponsor · $5,000
Thom Tillis · Cosponsor · $5,000
Kevin Cramer · Cosponsor · $2,500
James E. Risch · Cosponsor · $5,000
Cynthia M. Lummis · Cosponsor · $5,000
Pete Ricketts · Cosponsor · $7,500
Steve Daines · Cosponsor · $7,500
Official PAC recordINDEPENDENT INSURANCE AGENTS & BROKERS OF AMERICA, INC. POLITICAL ACTION COMMITTEE (INSURPAC)$45,500
Mike Rounds · Cosponsor · $7,000
Bill Hagerty · Cosponsor · $5,000
Mike Crapo · Cosponsor · $5,000
Thom Tillis · Cosponsor · $2,500
James E. Risch · Cosponsor · $3,500
John Boozman · Cosponsor · $2,500
Cynthia M. Lummis · Cosponsor · $5,000
Pete Ricketts · Cosponsor · $10,000
Steve Daines · Cosponsor · $5,000
Official PAC recordALABAMA FIRST PAC$45,000
Mike Rounds · Cosponsor · $10,000
Bill Hagerty · Cosponsor · $10,000
James E. Risch · Cosponsor · $10,000
Cynthia M. Lummis · Cosponsor · $5,000
Pete Ricketts · Cosponsor · $10,000
Official PAC recordAMERICAN BANKERS ASSOCIATION PAC (BANKPAC)$45,000
Mike Rounds · Cosponsor · $10,000
Bill Hagerty · Cosponsor · $10,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $10,000
Pete Ricketts · Cosponsor · $10,000
Steve Daines · Cosponsor · $0
Official PAC recordBUILDING UP DEMOCRACY'S DREAM$45,000
Mike Rounds · Cosponsor · $10,000
Bill Hagerty · Cosponsor · $10,000
Thom Tillis · Cosponsor · -$5,000
James E. Risch · Cosponsor · $10,000
Cynthia M. Lummis · Cosponsor · $5,000
Pete Ricketts · Cosponsor · $10,000
Steve Daines · Cosponsor · $5,000
Official PAC recordDAKOTA PAC$45,000
Mike Rounds · Cosponsor · $10,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $15,000
Cynthia M. Lummis · Cosponsor · $5,000
Pete Ricketts · Cosponsor · $10,000
Official PAC recordJOBS OPPORTUNITY NOW POLITICAL ACTION COMMITTEE$45,000
Mike Rounds · Cosponsor · $10,000
Bill Hagerty · Cosponsor · $10,000
James E. Risch · Cosponsor · $10,000
Cynthia M. Lummis · Cosponsor · $5,000
Pete Ricketts · Cosponsor · $10,000
Official PAC recordLETS GET TO WORK PAC$45,000
Mike Rounds · Cosponsor · $5,000
Bill Hagerty · Cosponsor · $10,000
James E. Risch · Cosponsor · $10,000
Cynthia M. Lummis · Cosponsor · $5,000
Pete Ricketts · Cosponsor · $10,000
Steve Daines · Cosponsor · $5,000
Official PAC recordOORAH! POLITICAL ACTION COMMITTEE$45,000
Mike Rounds · Cosponsor · $10,000
Bill Hagerty · Cosponsor · $10,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $10,000
Cynthia M. Lummis · Cosponsor · $5,000
Pete Ricketts · Cosponsor · $10,000
Steve Daines · Cosponsor · -$5,000
Official PAC recordWILD AND WONDERFUL PAC$45,000
Mike Rounds · Cosponsor · $5,000
Bill Hagerty · Cosponsor · $10,000
Thom Tillis · Cosponsor · $0
James E. Risch · Cosponsor · $10,000
Cynthia M. Lummis · Cosponsor · $0
Pete Ricketts · Cosponsor · $10,000
Steve Daines · Cosponsor · $10,000
Official PAC recordJPMORGAN CHASE & CO. FEDERAL POLITICAL ACTION COMMITTEE$44,500
Mike Rounds · Cosponsor · $7,500
Bill Hagerty · Cosponsor · $7,500
Thom Tillis · Cosponsor · $4,500
Kevin Cramer · Cosponsor · $2,000
Katie Boyd Britt · Cosponsor · $5,000
James E. Risch · Cosponsor · $1,000
Cynthia M. Lummis · Cosponsor · $5,000
Pete Ricketts · Cosponsor · $9,500
Steve Daines · Cosponsor · $2,500
Official PAC recordERNST & YOUNG POLITICAL ACTION COMMITTEE$44,000
Tim Scott · Sponsor · $5,000
Mike Rounds · Cosponsor · $10,000
Bill Hagerty · Cosponsor · $10,000
Thom Tillis · Cosponsor · -$2,500
James E. Risch · Cosponsor · $4,000
Cynthia M. Lummis · Cosponsor · $5,000
Pete Ricketts · Cosponsor · $10,000
Steve Daines · Cosponsor · $2,500
Official PAC recordNATIONAL PORK PRODUCERS COUNCIL PORK PAC$44,000
Mike Rounds · Cosponsor · $6,500
Thom Tillis · Cosponsor · $2,500
Jerry Moran · Cosponsor · $10,000
Pete Ricketts · Cosponsor · $5,000
Bernie Moreno · Cosponsor · $10,000
John Thune · Cosponsor · $10,000
Official PAC recordNATIONAL ASSOCIATION OF CONVENIENCE STORES POLITICAL ACTION COMMITTEE$43,500
Bill Hagerty · Cosponsor · $5,000
Mike Crapo · Cosponsor · $5,000
Thom Tillis · Cosponsor · $2,500
James E. Risch · Cosponsor · $7,500
Pete Ricketts · Cosponsor · $10,000
Mike Lee · Cosponsor · $1,000
Steve Daines · Cosponsor · $7,500
John Thune · Cosponsor · $5,000
Official PAC recordU.S. BANCORP FEDERAL POLITICAL ACTION COMMITTEE$43,000
Mike Rounds · Cosponsor · $7,000
Bill Hagerty · Cosponsor · $1,500
Mike Crapo · Cosponsor · $2,500
Thom Tillis · Cosponsor · $10,000
Kevin Cramer · Cosponsor · $1,000
Katie Boyd Britt · Cosponsor · $5,000
John Boozman · Cosponsor · $1,000
Cynthia M. Lummis · Cosponsor · $1,500
Pete Ricketts · Cosponsor · $10,000
Bernie Moreno · Cosponsor · $2,000
Steve Daines · Cosponsor · $1,500
Official PAC recordAFLAC POLITICAL ACTION COMMITTEE (AFLAC PAC)$42,500
Tim Scott · Sponsor · $2,500
Mike Rounds · Cosponsor · $10,000
Bill Hagerty · Cosponsor · $10,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $5,000
Pete Ricketts · Cosponsor · $7,500
Steve Daines · Cosponsor · $2,500
Official PAC recordWINE AND SPIRITS WHOLESALERS OF AMERICA, INC. POLITICAL ACTION COMMITTEE$42,500
Mike Rounds · Cosponsor · $7,500
Bill Hagerty · Cosponsor · $5,000
Thom Tillis · Cosponsor · $2,500
Jerry Moran · Cosponsor · $0
James E. Risch · Cosponsor · $10,000
Cynthia M. Lummis · Cosponsor · $2,500
Pete Ricketts · Cosponsor · $10,000
Steve Daines · Cosponsor · $5,000
Official PAC recordAMGEN INC. POLITICAL ACTION COMMITTEE$41,000
Mike Rounds · Cosponsor · $5,500
Bill Hagerty · Cosponsor · $4,500
Mike Crapo · Cosponsor · $4,000
Thom Tillis · Cosponsor · $3,000
Katie Boyd Britt · Cosponsor · $5,000
John Boozman · Cosponsor · $3,500
Cynthia M. Lummis · Cosponsor · $500
Pete Ricketts · Cosponsor · $9,000
Bernie Moreno · Cosponsor · $1,000
Steve Daines · Cosponsor · $0
John Thune · Cosponsor · $5,000
Official PAC recordNATIONAL RURAL ELECTRIC COOPERATIVE ASSOCIATION AMERICA'S ELECTRIC COOPERATIVES PAC$41,000
Mike Rounds · Cosponsor · $10,000
Bill Hagerty · Cosponsor · $7,000
Thom Tillis · Cosponsor · $3,500
James E. Risch · Cosponsor · $7,500
Cynthia M. Lummis · Cosponsor · $4,000
Pete Ricketts · Cosponsor · $7,000
Steve Daines · Cosponsor · $2,000
Official PAC recordTHE BOEING COMPANY PAC$41,000
Mike Rounds · Cosponsor · $8,500
Thom Tillis · Cosponsor · $1,500
Kevin Cramer · Cosponsor · $1,000
Katie Boyd Britt · Cosponsor · $5,000
Jerry Moran · Cosponsor · $3,000
James E. Risch · Cosponsor · $10,000
Cynthia M. Lummis · Cosponsor · $5,000
Pete Ricketts · Cosponsor · $5,000
Steve Daines · Cosponsor · $2,000
Official PAC recordAMERICAN CRYSTAL SUGAR COMPANY POLITICAL ACTION COMMITTEE$40,000
Mike Rounds · Cosponsor · $10,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $10,000
Cynthia M. Lummis · Cosponsor · $0
Pete Ricketts · Cosponsor · $5,000
Steve Daines · Cosponsor · $5,000
John Thune · Cosponsor · $5,000
Official PAC recordBANK OF AMERICA CORPORATION FEDERAL PAC$40,000
Mike Rounds · Cosponsor · $10,000
Bill Hagerty · Cosponsor · $10,000
Thom Tillis · Cosponsor · $5,000
Cynthia M. Lummis · Cosponsor · $5,000
Pete Ricketts · Cosponsor · $5,000
Steve Daines · Cosponsor · $5,000
Official PAC recordFINANCIAL SERVICES INSTITUTE PAC$40,000
Mike Rounds · Cosponsor · $7,500
Bill Hagerty · Cosponsor · $2,500
Mike Crapo · Cosponsor · $5,000
Thom Tillis · Cosponsor · $2,500
Katie Boyd Britt · Cosponsor · $2,500
Pete Ricketts · Cosponsor · $10,000
Bernie Moreno · Cosponsor · $5,000
Steve Daines · Cosponsor · $5,000
Official PAC recordHEARTLAND VALUES PAC$40,000
Bill Hagerty · Cosponsor · $10,000
James E. Risch · Cosponsor · $10,000
Cynthia M. Lummis · Cosponsor · $5,000
Pete Ricketts · Cosponsor · $10,000
Steve Daines · Cosponsor · $5,000
Official PAC recordJOBS, FREEDOM, AND SECURITY PAC$40,000
Mike Rounds · Cosponsor · $5,000
Bill Hagerty · Cosponsor · $10,000
James E. Risch · Cosponsor · $10,000
Cynthia M. Lummis · Cosponsor · $5,000
Pete Ricketts · Cosponsor · $10,000
Official PAC recordTD BANK US HOLDING COMPANY POLITICAL ACTION COMMITTEE (TD BANK PAC)$40,000
Mike Rounds · Cosponsor · $10,000
Bill Hagerty · Cosponsor · $5,000
Thom Tillis · Cosponsor · $4,000
James E. Risch · Cosponsor · $5,000
Pete Ricketts · Cosponsor · $10,000
Bernie Moreno · Cosponsor · $1,000
Steve Daines · Cosponsor · $5,000
Official PAC recordWALMART INC. PAC FOR RESPONSIBLE GOVERNMENT$39,500
Mike Rounds · Cosponsor · $5,000
Bill Hagerty · Cosponsor · $10,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $2,000
Cynthia M. Lummis · Cosponsor · $1,500
Pete Ricketts · Cosponsor · $7,500
Steve Daines · Cosponsor · $3,500
John Thune · Cosponsor · $5,000
Official PAC recordThe largest 40 donor totals appear here. Open each politician for their complete, paginated PAC donor list.
What happened after enactment?
Dated agency-reported implementation and uptake measures are shown with their scope. They do not by themselves establish causal success. If no evidence is listed, the outcome is not established.
Measured outcome: not established
Enactment alone does not show whether a law improved its intended outcome. We need a dated evaluation, observed result or verified implementation record before claiming success or failure.