3170-AA42 202504 Unified Agenda of Federal Regulatory and Deregulatory Actions 3170 Consumer Financial Protection Bureau CFPB Overdraft Lending: Very Large Financial Institutions

In December 2024, the CFPB issued a final rule that would have revised the application of Regulations E and Z to overdraft lending provided by very large financial institutions. The final rule had an effective date of October 1, 2025. However, Congress passed a joint resolution under the Congressional Review Act disapproving the rule, which was signed by the President on May 9, 2025. Pursuant to the signed joint resolution, the overdraft rule has no force or effect.

]]> Substantive, Nonsignificant Previously Published in The Unified Agenda Completed Actions Yes No Not subject to, not significant 12 CFR 1005 12 CFR 1026 15 U.S.C. 1601 et seq. 15 U.S.C. 1693 et seq. No NPRM 02/23/2024 89 FR 13852 Comment Period End 04/01/2024 Final Rule 12/30/2024 89 FR 106768 No No None No No No Joseph Baressi Office of Regulations 3170 Consumer Financial Protection Bureau CFPB 202 435-7700