Likely helped
- No clear beneficiaries surfaced yet.
S.J. Res. 13 (119th)Bill Overview
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.
Finance and Financial Sector|Administrative law and regulatory proceduresBanking and financial institutions regulation
Current stageLaw
Became Public Law No: 119-19.
Introduced
Committee
Floor
President
Law
01 · The brief
<p>This joint resolution nullifies the final rule issued by the Department of the Treasury’s Office of the Comptroller of the Currency titled <em>Business Combinations Under the Bank Merger Act</em> and published on September 25, 2024.
The rule revises procedures for reviewing applications for proposed bank mergers, such as by removing automatic approvals under an expedited review procedure and by discontinuing streamlined application forms.</p>
Passage100/100
This bill has already cleared the legislative process and become law.
CredibilityPartial
How solid the drafting looks.
Contention62/100
The main political fault lines are not fully surfaced yet, so coalition durability is still unclear.
02 · What it does
Who stands to gain, and who may push back.
Who this appears to help vs burden0% / 100%
Likely helpedLikely burdened
Likely burdened
- No clear downsides surfaced yet.
03 · Why people split
Why the argument around this bill splits.
The main political fault lines are not fully surfaced yet, so coalition durability is still unclear.
Progressive—
The main political fault lines are not fully surfaced yet, so coalition durability is still unclear.
Centrist—
The main political fault lines are not fully surfaced yet, so coalition durability is still unclear.
Conservative—
The main political fault lines are not fully surfaced yet, so coalition durability is still unclear.
04 · Can it pass?
The path through Congress.
Introduced
Reached or meaningfully advanced
Committee
Reached or meaningfully advanced
Floor
Reached or meaningfully advanced
President
Reached or meaningfully advanced
Law
Reached or meaningfully advanced
Passage likelihood100/100
This bill has already cleared the legislative process and become law.
Why this could stall
- The next hurdle is reproducing that support in the other chamber.
05 · Recent votes
Recent votes on the bill.
HOUSE · May 20, 2025
217 yes · 204 noPassed
On Passage
Yes 52% No 48%
Against party line
Henry Cuellar (TX)DD · Yes
Aaron Bean (FL)RR · Yes
Abraham J. Hamadeh (AZ)RR · Yes
Adam Gray (CA)DD · No
Adam Smith (WA)DD · No
Addison P. McDowell (NC)RR · Yes
Adrian Smith (NE)RR · Yes
Showing a quick cross-section of legislators, with followed members first when available.
SENATE · May 7, 2025
52 yes · 47 noJoint Resolution Passed (52-47)
On the Joint Resolution S.J.Res. 13
Yes 53% No 47%
Adam B. Schiff (CA)DD · No
Alex Padilla (CA)DD · No
Amy Klobuchar (MN)DD · No
Andy Kim (NJ)DD · No
Angus King (ME)II · No
Showing a quick cross-section of legislators, with followed members first when available.
SENATE · May 6, 2025
53 yes · 46 noMotion to Proceed Agreed to (53-46)
On the Motion to Proceed S.J.Res. 13
Yes 54% No 46%
Adam B. Schiff (CA)DD · No
Alex Padilla (CA)DD · No
Amy Klobuchar (MN)DD · No
Andy Kim (NJ)DD · No
Angus King (ME)II · No
Showing a quick cross-section of legislators, with followed members first when available.
06 · Go deeper
Go deeper than the headline read.
Included on this page
The main political fault lines are not fully surfaced yet, so coalition durability is still unclear.
This bill has already cleared the legislative process and become law.
Unlocked analysis
Pro readers get the full perspective split, passage barriers, legislative design review, stakeholder impact map, and lens-based policy tradeoff analysis for A joint resolution providing for congressional disapproval und…
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