S.J.Res. 32 · 118th Congress

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 "Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)".

Introduced on Jun 13, 2023 by John Kennedy (R-LA). 45 cosponsors, all from the sponsor's party. Latest action (Jan 10, 2024): Failed of passage in Senate over veto by Yea-Nay Vote. 54 - 45. Record Vote Number: 5.

Stage
Vetoed
Introduced
Jun 13, 2023
Cosponsors
45
0 from the other party
Policy area
Finance and Financial Sector
Open in the Congress explorerCongress.govAlert me

Progress

The furthest stage the measure reached. Simple and concurrent resolutions do not go to the President.

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

Subjects

  • Banking and financial institutions regulation
  • Congressional-executive branch relations
  • Consumer Financial Protection Bureau
  • Credit and credit markets
  • Small business

Summary

The Congressional Research Service has not summarized this measure yet.

Sponsor and cosponsors

Cosponsors by party as of the day they signed on. Original cosponsors signed on the day of introduction.

John KennedyR-LASponsor

Republicans · 45

Roll calls

Recorded votes on the measure. Most measures move by voice vote or unanimous consent, which record no individual positions.

  1. On the Joint Resolution
    Oct 18, 2023· Senate· Passage· Joint Resolution Passed 53–44
  2. On Passage
    Dec 1, 2023· House· Passage· Passed 221–202
  3. On Overriding the Veto
    Jan 10, 2024· Senate· Passage· Veto Sustained 54–45

History

Every action as published, oldest first. Roll calls link to how each member voted.

  1. Jun 13, 2023Introduced in Senate
  2. Jun 13, 2023 · SenateRead twice and referred to the Committee on Banking, Housing, and Urban Affairs.
  3. Oct 17, 2023Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c).
  4. Oct 17, 2023 · SenateSenate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c).
  5. Oct 17, 2023 · SenatePlaced on Senate Legislative Calendar under General Orders. Calendar No. 228.
  6. Oct 18, 2023Passed/agreed to in Senate: Passed Senate without amendment by Yea-Nay Vote. 53 - 44. Record Vote Number: 260.(consideration: CR S5055, S5061-5062; text: CR S5062)Senate · Roll call 260
  7. Oct 18, 2023 · SenatePassed Senate without amendment by Yea-Nay Vote. 53 - 44. Record Vote Number: 260. (consideration: CR S5055, S5061-5062; text: CR S5062)Senate · Roll call 260
  8. Oct 18, 2023 · SenateMessage on Senate action sent to the House.
  9. Oct 25, 2023 · HouseReceived in the House.
  10. Oct 25, 2023 · HouseHeld at the desk.
  11. Nov 28, 2023 · HouseRules Committee Resolution H. Res. 891 Reported to House. Rule provides for consideration of H.R. 5283, H.R. 5961 and S.J. Res. 32. The resolution provides for consideration of H.R. 5283 and H.R. 5961 under a structured rule and S. J. Res. 32 under a closed rule. Rule provides for one hour of general debate on each measure with one motion to recommit on H.R. 5283 and H.R. 5961 and one motion to commit on S. J. Res. 32.
  12. Nov 29, 2023 · HouseRule H. Res. 891 passed House.
  13. Dec 1, 2023 · HouseConsidered under the provisions of rule H. Res. 891. (consideration: CR H6055-6062)
  14. Dec 1, 2023 · HouseRule provides for consideration of H.R. 5283, H.R. 5961 and S.J. Res. 32. The resolution provides for consideration of H.R. 5283 and H.R. 5961 under a structured rule and S. J. Res. 32 under a closed rule. Rule provides for one hour of general debate on each measure with one motion to recommit on H.R. 5283 and H.R. 5961 and one motion to commit on S. J. Res. 32.
  15. Dec 1, 2023 · HouseDEBATE - The House proceeded with one hour of debate on S.J. Res. 32.
  16. Dec 1, 2023 · HouseThe previous question was ordered pursuant to the rule.
  17. Dec 1, 2023Passed/agreed to in House: On passage Passed by the Yeas and Nays: 221 - 202, 1 Present (Roll no. 690). (text: CR H6055)House · Roll call 690
  18. Dec 1, 2023 · HouseOn passage Passed by the Yeas and Nays: 221 - 202, 1 Present (Roll no. 690). (text: CR H6055)House · Roll call 690
  19. Dec 1, 2023 · HouseMotion to reconsider laid on the table Agreed to without objection.
  20. Dec 14, 2023Presented to President.
  21. Dec 14, 2023 · HousePresented to President.
  22. Dec 19, 2023Vetoed by President.
  23. Dec 19, 2023 · HouseVetoed by President.
  24. Dec 19, 2023 · SenateVeto message received in Senate. Ordered held at the desk. (text: CR S6048)
  25. Jan 10, 2024 · SenateVeto Message considered in Senate. (consideration: CR S66-67)
  26. Jan 10, 2024Failed of passage in Senate over veto: Failed of passage in Senate over veto by Yea-Nay Vote. 54 - 45. Record Vote Number: 5.Senate · Roll call 5
  27. Jan 10, 2024 · SenateFailed of passage in Senate over veto by Yea-Nay Vote. 54 - 45. Record Vote Number: 5.Senate · Roll call 5

Committees

Committees and subcommittees the measure was referred to.

Agencies in its committees' jurisdiction

Analisa's mapping of committee jurisdiction to federal agencies; the bill may touch others, or none of these.

Who lobbied on it

Organizations whose lobbying reports (LD-2) name this measure. Spending is what they reported for those quarters on all issues, not on this measure alone.

  1. EQUIPMENT LEASING AND FINANCE ASSOCIATION7 reports
    $240K reported (all issues)
  2. American Bankers Association5 reports
    $8.5M reported (all issues)Federal contractor: AMERICAN BANKERS ASSOCIATIONAI match · 100%
  3. National Taxpayers Union5 reports
    $150K reported (all issues)
  4. CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP3 reports
    $239K reported (all issues)
  5. Community Bankers Association of Illinois3 reports
    $185K reported (all issues)
  6. NFIB (National Federation of Independent Business)3 reports
    $3.7M reported (all issues)
  7. INDEPENDENT COMMUNITY BANKERS OF AMERICA2 reports
    $1.7M reported (all issues)
  8. Americans for Tax Reform1 report
    $60K reported (all issues)
  9. Heritage Action for America1 report
    $170K reported (all issues)
  10. Job Creators Network1 report
    $30K reported (all issues)
  11. National Association of Federally-Insured Credit Unions1 report
    $960K reported (all issues)
  12. U.S. Public Interest Research Group1 report

Reports filed in 2023, 2024.

Sources and method

Every figure on this page traces to these records.

  • Bill status: bills and resolutions, sponsors, actions, subjects and CRS summaries (U.S. Government Publishing Office (GovInfo), from Congress.gov (Library of Congress))GovInfo Bill Status bulk data (Congress.gov; summaries by the Congressional Research Service) · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Members of Congress, their terms, committees and identifiers (The @unitedstates project (from the Biographical Directory of the U.S. Congress, the House and the Senate))unitedstates/congress-legislators: legislators, committees and current committee membership · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: CC0 1.0 (public domain dedication)
  • House roll-call votes (Office of the Clerk, U.S. House of Representatives)Office of the Clerk, U.S. House of Representatives, roll-call vote records · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Senate roll-call votes and DW-NOMINATE scores (Voteview (UCLA Department of Political Science))Lewis, Jeffrey B., Keith Poole, Howard Rosenthal, Adam Boche, Aaron Rudkin, and Luke Sonnet (2026). Voteview: Congressional Roll-Call Votes Database. https://voteview.com/ · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Free to use with the required citation
  • Lobbying disclosures (LD-1 registrations, LD-2 quarterly reports, LD-203 contribution reports) (Clerk of the U.S. House of Representatives)Clerk of the House, Lobbying Disclosure Act filings (organizations only; lobbyists' names are not loaded) · data current to Oct 5, 2026 · loaded Oct 5, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Positions are shown only where a roll call recorded them; voice votes and unanimous consent record none.
  • Money and votes are shown side by side; neither explains the other.