Contact Congress about S.J.Res. 28: A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications".

Large payment app companies will not face the CFPB rule Congress canceled. The law wipes out that specific rule and does not replace it with a new standard.

Modern Action explains legislation in plain English, 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.

A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications". is a Senate bill signed into law. The latest recorded action: Became Public Law No: 119-11.

Latest action on S.J.Res. 28: Became Public Law No: 119-11.

Who this affects: This bill mainly affects companies that run widely used digital payment apps and the CFPB, the agency that oversees consumer finance. These companies avoid this specific new CFPB rule. The CFPB loses this rule as a tool for deciding which large payment app companies receive closer supervision. Consumers who use payment apps could be affected, but this law does not say exactly how protections or company practices would change.

Why this matters: This law matters because it stops a new federal oversight rule for large digital payment app companies. The canceled CFPB rule would have helped decide which companies in this market could face closer agency supervision. Without it, that specific change does not happen. The effect on consumers is uncertain because this law does not say what protections change, if any.

Key provisions in S.J.Res. 28

• Congress used its rule-review power to reject one final CFPB rule.
• The rejected rule was called “Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications.” It appeared in the Federal Register at 89 Fed. Reg. 99582 on December 10, 2024.
• The law says the rule has no legal force or effect. That means the CFPB cannot apply or enforce it.
• The law does not create new rules for digital consumer payment apps. It also does not set up a replacement system.
• The resolution became law on May 9, 2025. Both the Senate and the House passed it first.

How Modern Action helps you take action on S.J.Res. 28

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.

Questions people ask about S.J.Res. 28

What is S.J.Res. 28?

Large payment app companies will not face the CFPB rule Congress canceled. The law wipes out that specific rule and does not replace it with a new standard.

How do I support or oppose S.J.Res. 28?

Choose support, oppose, or ask for changes on Modern Action. The action flow drafts the message for you and keeps the wording tied to this bill.

Who should I contact about S.J.Res. 28?

Modern Action uses your location to route the action to the congressional offices relevant to the bill and your representation.

Can Modern Action explain S.J.Res. 28 before I act?

Yes. Modern Action gives you a plain-English summary, current status, and action context before you send anything.