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 relating to "National Banks and Federal Savings Associations as Lenders".

Referred to the House Committee on Financial Services.

H.J.Res.35 through Congress

H.J.Res.35 keeps its number as it moves between the House and Senate.

HouseMar 26, 2021IntroducedOfficial record

Major milestones in the imported record. See all actions.

No Senate action is available in our imported record yet.

Separate related Senate measures (1)

These are different measures identified as related by Congress.gov. Their text and outcomes may differ; they are not the Senate stage of H.J.Res.35.

Related Senate measure: S.J.Res.15 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 Currency relating to "National Banks and Federal Savings Associations as Lenders".

Congressional Research Service

Official summary

Version 00 · Introduced in House · Mar 26, 2021

This joint resolution nullifies the final rule issued by the Office of the Comptroller of the Currency titled National Banks and Federal Savings Associations as Lenders and published on October 30, 2020. The rule requires that to be considered a lender, a national bank or federal saving association must, as of the date of origination of the loan (1) be named as the lender in the loan agreement, or (2) fund the loan.

Read the summary on Congress.gov

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People & committees

Who introduced it

Rep. Garcia, Jesus G. "Chuy" [D-IL-4] · D–IL

Committees

Financial Services Committee

5 cosponsorship records, including any withdrawals

Legislative record

Actions

A procedural vote is different from passage. Passage in one chamber does not establish enactment. Explore the glossary.

Mar 26, 2021
Referred to the House Committee on Financial Services.
Mar 26, 2021
Sponsor introductory remarks on measure. (CR E307)
Mar 26, 2021
Introduced in House
Mar 26, 2021
Introduced in House

Primary sources

Bill text & related measures

Text links open the official source. We currently store references to these documents.

Introduced in House · Mar 26, 2021 Formatted Text PDF Formatted XML

Related bills identified by Congress.gov

SJRES 15 · 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 Currency relating to "National Banks and Federal Savings Associations as Lenders".

Source last updated: May 15, 2025. Consult Congress.gov for the current record.

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Explore the bill from different angles

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Neutral evidence review

Objective

Analyze H.J.Res.35 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.

View full prompt & sources

Discuss H.J.Res.35, 117th Congress: 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 relating to "National Banks and Federal Savings Associations as Lenders".

Official record: https://www.congress.gov/bill/117th-congress/house-joint-resolution/35

Text version to examine: Introduced in House · 2021-03-26.

Official full text: https://www.congress.gov/117/bills/hjres35/BILLS-117hjres35ih.htm

Imported record last updated by the source: 2025-05-15T10:22:12Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Analyze H.J.Res.35 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.

Fairness and public impact

Progressive lens

Examine H.J.Res.35 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.

View full prompt & sources

Discuss H.J.Res.35, 117th Congress: 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 relating to "National Banks and Federal Savings Associations as Lenders".

Official record: https://www.congress.gov/bill/117th-congress/house-joint-resolution/35

Text version to examine: Introduced in House · 2021-03-26.

Official full text: https://www.congress.gov/117/bills/hjres35/BILLS-117hjres35ih.htm

Imported record last updated by the source: 2025-05-15T10:22:12Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.J.Res.35 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.

Institutions and government scope

Conservative lens

Examine H.J.Res.35 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

View full prompt & sources

Discuss H.J.Res.35, 117th Congress: 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 relating to "National Banks and Federal Savings Associations as Lenders".

Official record: https://www.congress.gov/bill/117th-congress/house-joint-resolution/35

Text version to examine: Introduced in House · 2021-03-26.

Official full text: https://www.congress.gov/117/bills/hjres35/BILLS-117hjres35ih.htm

Imported record last updated by the source: 2025-05-15T10:22:12Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.J.Res.35 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

Individual rights and government power

Liberty lens

Examine H.J.Res.35 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.

View full prompt & sources

Discuss H.J.Res.35, 117th Congress: 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 relating to "National Banks and Federal Savings Associations as Lenders".

Official record: https://www.congress.gov/bill/117th-congress/house-joint-resolution/35

Text version to examine: Introduced in House · 2021-03-26.

Official full text: https://www.congress.gov/117/bills/hjres35/BILLS-117hjres35ih.htm

Imported record last updated by the source: 2025-05-15T10:22:12Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.J.Res.35 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.