Enacted
A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency of the Department of the Treasury relating to the review of applications under the Bank Merger Act.
This resolution cancels a federal policy that placed tighter limits and increased regulatory scrutiny on bank mergers. Blocking the rule restores a faster, less demanding approval process for banks seeking to combine or acquire competitors. For everyday consumers and businesses, this makes it easier for banks to consolidate, which can reduce the number of independent local banks while allowing larger institutions to expand.
People affected—The text invalidates a regulatory rule affecting banking institutions seeking business combinations; no population count is stated or determinable from the text.
Fiscal magnitude—The text contains no appropriations, authorizations, or fiscal figures.
Reach
provisional · pending review40rigor: heuristic llm
What this bill touches.
Banking/financial rules−30Corporate concentration−20
Who it helps · who it burdens.
Who opposes it
- Office of the Comptroller of the CurrencyThe bill nullifies the agency's September 25, 2024 rule regarding business combinations under the Bank Merger Act, stripping it of legal force and effect.
The provisions, in plain language.
Nullifies the Office of the Comptroller of the Currency's rule regarding business combinations under the Bank Merger Act, preventing it from taking or remaining in effect.
How your members of Congress line up
How members voted on S.J.Res. 13.
Recorded roll calls on this bill, most recent first. Open one to see each member's position.
How it moved.
Show all 25 actions
- Became Public Law No: 119-19.
- Signed by President.
- Presented to President.
- Motion to reconsider laid on the table Agreed to without objection.
- On passage Passed by the Yeas and Nays: 220 - 207 (Roll no. 137).
- Passed/agreed to in House: On passage Passed by the Yeas and Nays: 220 - 207 (Roll no. 137).
- Considered as unfinished business. (consideration: CR H2177-2178)
- POSTPONED PROCEEDINGS - At the conclusion of debate on S.J. Res. 13, the Chair put the question on passage of the joint resolution and by voice vote, announced that the ayes had prevailed. Ms. Waters demanded the yeas and nays and the Chair postponed further proceedings until a time to be announced.
- The previous question was ordered pursuant to the rule.
- DEBATE - The House proceeded with one hour of debate on S.J. Res. 13.
- Rule provides for consideration of S.J. Res. 13 and S.J. Res. 31. The resolution provides for consideration of S.J. Res. 13 and S.J. Res. 31 under a closed rule with one hour of general debate on each joint resolution. The resolution also provides for a motion to commit on both joint resolutions.
- Considered under the provisions of rule H. Res. 426. (consideration: CR H2168-2175)
- Rules Committee Resolution H. Res. 426 Reported to House. Rule provides for consideration of S.J. Res. 13 and S.J. Res. 31. The resolution provides for consideration of S.J. Res. 13 and S.J. Res. 31 under a closed rule with one hour of general debate on each joint resolution. The resolution also provides for a motion to commit on both joint resolutions.
- Held at the desk.
- Received in the House.
- Message on Senate action sent to the House.
- Passed Senate without amendment by Yea-Nay Vote. 52 - 47. Record Vote Number: 237. (text: CR S2793)
- Passed/agreed to in Senate: Passed Senate without amendment by Yea-Nay Vote. 52 - 47. Record Vote Number: 237.
- Considered by Senate. (consideration: CR S2789, S2789-2796)
- Measure laid before Senate by motion. (consideration: CR S2769)
- Motion to proceed to consideration of measure agreed to in Senate by Yea-Nay Vote. 53 - 46. Record Vote Number: 233.
- Placed on Senate Legislative Calendar under General Orders. Calendar No. 69.
- Senate Committee on Banking, Housing, and Urban Affairs discharged by petition pursuant to 5 U.S.C. 802(c).
- Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Introduced in Senate
- Became Public Law No: 119-19.
- Signed by President.
- Presented to President.
- Motion to reconsider laid on the table Agreed to without objection.
- On passage Passed by the Yeas and Nays: 220 - 207 (Roll no. 137).
- Passed/agreed to in House: On passage Passed by the Yeas and Nays: 220 - 207 (Roll no. 137).
- Rules Committee Resolution H. Res. 426 Reported to House. Rule provides for consideration of S.J. Res. 13 and S.J. Res. 31. The resolution provides for consideration of S.J. Res. 13 and S.J. Res. 31 under a closed rule with one hour of general debate on each joint resolution. The resolution also provides for a motion to commit on both joint resolutions.
- Passed Senate without amendment by Yea-Nay Vote. 52 - 47. Record Vote Number: 237. (text: CR S2793)
- Passed/agreed to in Senate: Passed Senate without amendment by Yea-Nay Vote. 52 - 47. Record Vote Number: 237.
- Motion to proceed to consideration of measure agreed to in Senate by Yea-Nay Vote. 53 - 46. Record Vote Number: 233.
- Introduced in Senate
Read it for yourself.
Sources & provenance
- Public Law 119-19
- primary source →
- primary source →
Cite this page
Civic Herald. “A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency of the Department of the Treasury relating to the review of applications under the Bank Merger Act. (S.J.Res. 13, 119th Congress).” https://civicherald.app/bills/119-sjres-13. Congress.gov record as of Jul 27, 2026.