Likely helped
- No clear beneficiaries surfaced yet.
S.J. Res. 13 (119th)Bill Overview
Disapprove OCC the review of applications under the Bank…
CRA DisapprovalFinance 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
Plain-English summaryWhat this bill actually does
<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>
Why people may split
The main political fault lines are not fully surfaced yet, so coalition durability is still unclear.
Watch point
The next hurdle is reproducing that support in the other chamber.
<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.
Likely benefits vs burdens0% / 100%
Likely helpedLikely burdened
These are examples from the analysis, not a ranked list of the most-affected groups.
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
Final passage✓ PassedClose voteParty-line
The House passed this bill. It now goes to the other chamber, and eventually to the President for signature.
What is a final passage?Hide explanation
The final vote on whether the bill becomes law (pending the other chamber and the President).
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
Approve resolution✓ PassedClose voteParty-line
The Senate formally adopted this resolution.
What is a approve resolution?Hide explanation
A resolution is a formal statement or decision by the chamber. Simple resolutions apply only to one chamber; joint resolutions require both chambers.
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
Begin consideration✓ PassedParty-line
The Senate agreed to bring this bill to the floor. Debate and amendment votes can now begin.
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 Disapprove OCC the review of applications under the Bank….
Go beyond the headline summary with full stakeholder mapping, legislative design analysis, passage barriers, and lens-by-lens tradeoff breakdowns.
Perspective breakdownsPassage barriersLegislative design reviewStakeholder impact map
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