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 "Consumer Financial Protection Circular 2022-06: Unanticipated Overdraft Fee Assessment Practices".

The bill was introduced in the Senate on April 13, 2026, and referred to the Senate Committee on Banking, Housing, and Urban Affairs. For it to become law, the committee must approve it, then it needs to pass a vote in the full Senate and then the House of Representatives, before being sent to the President for signature.

This bill attempts to reverse the CFPB's decision to withdraw its Circular 2022-06, which provided guidance on 'Unanticipated Overdraft Fee Assessment Practices.' If this resolution passes, the CFPB's withdrawal would be nullified. This could lead to banks potentially facing stricter oversight on how they charge for overdrafts, which might affect the fees you pay if your account balance goes below zero.

Those in favor of this resolution argue that undoing the CFPB's withdrawal would reinstate important consumer protections against what they see as excessive or unfair overdraft fees. Opponents, however, might contend that the original guidance placed unnecessary burdens on banks, and that financial institutions should have more freedom in setting their service fees.