Summary of HRES 282

Bill Number: HRES 282

Introduced: April 1, 2025

Status: Motion to reconsider laid on the table; agreed to without objection.

Primary Sponsor: H. Morgan Griffith

Purpose and Intent

HRES 282 is a resolution that provides for the consideration of several legislative measures related to consumer financial protection and voting regulations. The resolution aims to facilitate the House's review and potential disapproval of rules set by the Bureau of Consumer Financial Protection (BCFP) concerning overdraft lending and digital consumer payment applications, as well as to amend existing laws regarding district court authority and voter registration.

Key Provisions

The resolution outlines the following key provisions:

1. Consideration of Joint Resolutions:

   • S.J. Res. 18: Disapproves the BCFP rule on "Overdraft Lending: Very Large Financial Institutions."
   • S.J. Res. 28: Disapproves the BCFP rule on "Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications."
   • Both joint resolutions will be considered under a closed rule, meaning no amendments can be made during the debate.

2. Consideration of Bills:

   • H.R. 1526: Known as the "No Rogue Rulings Act of 2025," this bill seeks to limit the authority of district courts to provide injunctive relief.
   • H.R. 22: The "SAVE Act," which amends the National Voter Registration Act of 1993 to require proof of U.S. citizenship for voter registration in federal elections.

3. Debate and Voting Procedures:

   • Each measure will have one hour of general debate, equally divided between the chair and the ranking minority member of the relevant committees.
   • Each measure will allow for one motion to commit (for S.J. Res. 18 and S.J. Res. 28) or one motion to recommit (for H.R. 1526 and H.R. 22).
   • The resolution waives all points of order against the consideration of these measures, which means they can be debated without procedural obstacles.

Impact

The passage of HRES 282 would affect:

• Consumers: The disapproval of BCFP rules could lead to changes in how overdraft lending and digital payment applications are regulated, potentially impacting consumers' access to financial services.
• Voter Registration: The requirement for proof of citizenship could alter the voter registration process, potentially affecting voter turnout and access to voting for certain populations.
• Judicial Authority: Changes to district court authority could limit the ability of courts to issue injunctions, impacting how laws are enforced and challenged.

Procedural Aspects

• The resolution was reported by the House Committee on Rules with a vote of 9 to 4.
• The House has already engaged in debate on the resolution and has laid the motion to reconsider on the table, indicating that it has moved forward in the legislative process.
• The resolution also lays on the table two other resolutions (H. Res. 23 and H. Res. 164), which may relate to similar subject matters.

Conclusion

HRES 282 is a significant legislative measure that sets the stage for the House to consider important consumer protection and voting legislation. Its provisions reflect ongoing discussions about financial regulation and electoral integrity in the United States.