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Federal · 119th Congress · Senate joint resolution

S.J.Res. 28: 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".

Became law Public Law 119-11 Official data

  1. Introduced
  2. Reported by committee
  3. Passed one chamber
  4. Passed both chambers
  5. Sent to President
  6. Became law

Last official action: · Record last updated:

Official summary

Written by the Congressional Research Service (CRS), Library of Congress for the version “Public Law”, May 9, 2025. Reproduced verbatim.

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.

Recorded votes

Roll calls on passage or final agreement. Washington’s members are shown first; every member’s vote is on the roll-call page.

Senate Roll Call 106: On the Joint Resolution S.J.Res. 28

· Joint Resolution Passed (51-47) · Yes 51, No 47, Not voting 2

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

Washington: Sen. Maria Cantwell (D): No · Sen. Patty Murray (D): No

House Roll Call 95: On Passage

· Passed · Yes 219, No 211, Not voting 3

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

Washington: Rep. Suzan K. DelBene (WA-1) (D): No · Rep. Rick Larsen (WA-2) (D): No · Rep. Marie Gluesenkamp Perez (WA-3) (D): No · Rep. Dan Newhouse (WA-4) (R): Yes · Rep. Michael Baumgartner (WA-5) (R): Yes · Rep. Emily Randall (WA-6) (D): No · Rep. Pramila Jayapal (WA-7) (D): No · Rep. Kim Schrier (WA-8) (D): No · Rep. Adam Smith (WA-9) (D): No · Rep. Marilyn Strickland (WA-10) (D): No

Official actions

  1. Became Public Law No: 119-11.
  2. Signed by President.
  3. Presented to President.
  4. Passed/agreed to in House: On passage Passed by the Yeas and Nays: 219 - 211 (Roll no. 95). (text: CR H1514: 2)
  5. Passed/agreed to in Senate: Passed Senate without amendment by Yea-Nay Vote. 51 - 47. Record Vote Number: 106.
  6. Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c).
  7. Introduced in Senate

Sources

  1. Congress.gov: S.J.Res. 28 (119th Congress)
  2. GovInfo Bill Status XML: S.J.Res. 28
  3. GovInfo: Public Law 119-11 (official text)
  4. U.S. Senate: Roll Call 106 (2025)
  5. Clerk of the House: Roll Call 95 (2025)