Banks and credit unions would get federal guidance on helping customers hurt by a government shutdown. The bill focuses on loan relief, new credit, and protecting credit reports. Regulators would review how the guidance worked after each shutdown.
Modern Action explains what the legislation does, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.
Shutdown Guidance for Financial Institutions Act is a House bill in committee. The latest recorded action: Referred to the Committee on Financial Services, and in addition to the Committee on the Budget, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Latest action on H.R. 5689: Referred to the Committee on Financial Services, and in addition to the Committee on the Budget, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Who this affects: This bill mainly affects people and businesses whose income drops because of a federal government shutdown. That includes furloughed federal workers, federal workers who must work without pay, certain District of Columbia workers, federal contractors, and businesses that lose a large amount of income because federal money stops or slows. Banks, credit unions, and other lenders would also be affected because regulators would tell them how to handle these customers during shutdowns.
Why this matters: Shutdowns can leave people and businesses short on money even when they expect to be paid later. That can make it harder to pay mortgages, car loans, credit cards, student loans, and business loans on time. This bill tries to reduce long-term harm from a short-term shutdown. Its real effect would depend on how lenders use the guidance and how long shutdowns last.
You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.
Officially: Shutdown Guidance for Financial Institutions Act
Banks and credit unions would get federal guidance on helping customers hurt by a government shutdown. The bill focuses on loan relief, new credit, and protecting credit reports. Regulators would review how the guidance worked after each shutdown.
Use this page to support, oppose, or ask Congress to amend H.R.5689. Modern Action explains what the bill does, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in Financial Services
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
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Where this bill is in the process
Introduced
Introduced in House
House Committee
Under House committee consideration
Latest: Referred to the Committee on Financial Services, and in addition to the Committee on the Budget, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned. (10/3/2025)
House Floor Vote
Voted on by House
Passed House
Approved by House
Senate Review
Sent to Senate for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
Congressional offices prioritize messages from their own constituents. Modern Action uses your address to route the drafted message to your House representative when that is the most relevant target for this bill.
The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you can edit the message before sending.
This page gives you an opportunity to support, oppose, or ask for changes to Shutdown Guidance for Financial Institutions Act, then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it does, where it is in the process (committee), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around H.R.5689, your stance, and the reasons you choose, then lets you edit and send when ready.
