PlainBillCongress, translated.Legislation. Context. Public interest.Failed of passage in Senate over veto by Yea-Nay Vote. 54 - 45. Record Vote Number: 5.
Congressional Research Service
Version 53 · Passed House · Dec 1, 2023
This joint resolution nullifies the final rule issued by the Consumer Financial Protection Bureau titled Small Business Lending under the Equal Credit Opportunity Act (Regulation B) and published on May 31, 2023. The rule requires financial institutions to collect and report to the bureau credit application data for small businesses. On July 31, 2023, the U.S. District Court for the Southern District of Texas ordered the bureau not to implement or enforce the rule until a related pending case is resolved.
People & committees
Sen. Kennedy, John [R-LA] · R–LA
Legislative record
A procedural vote is different from passage. Passage in one chamber does not establish enactment. Explore the glossary.
Failed of passage in Senate over veto by Yea-Nay Vote. 54 - 45. Record Vote Number: 5.
Senate roll call 5 · Individual votesFailed of passage in Senate over veto: Failed of passage in Senate over veto by Yea-Nay Vote. 54 - 45. Record Vote Number: 5.
Senate roll call 5 · Individual votesVeto Message considered in Senate. (consideration: CR S66-67)
Veto message received in Senate. Ordered held at the desk. (text: CR S6048)
Vetoed by President.
Vetoed by President.
Presented to President.
Presented to President.
Motion to reconsider laid on the table Agreed to without objection.
On passage Passed by the Yeas and Nays: 221 - 202, 1 Present (Roll no. 690). (text: CR H6055)
House roll call 690 · Individual votesPassed/agreed to in House: On passage Passed by the Yeas and Nays: 221 - 202, 1 Present (Roll no. 690). (text: CR H6055)
House roll call 690 · Individual votesThe previous question was ordered pursuant to the rule.
DEBATE - The House proceeded with one hour of debate on S.J. Res. 32.
Rule provides for consideration of H.R. 5283, H.R. 5961 and S.J. Res. 32. The resolution provides for consideration of H.R. 5283 and H.R. 5961 under a structured rule and S. J. Res. 32 under a closed rule. Rule provides for one hour of general debate on each measure with one motion to recommit on H.R. 5283 and H.R. 5961 and one motion to commit on S. J. Res. 32.
Considered under the provisions of rule H. Res. 891. (consideration: CR H6055-6062)
Rule H. Res. 891 passed House.
Rules Committee Resolution H. Res. 891 Reported to House. Rule provides for consideration of H.R. 5283, H.R. 5961 and S.J. Res. 32. The resolution provides for consideration of H.R. 5283 and H.R. 5961 under a structured rule and S. J. Res. 32 under a closed rule. Rule provides for one hour of general debate on each measure with one motion to recommit on H.R. 5283 and H.R. 5961 and one motion to commit on S. J. Res. 32.
Held at the desk.
Received in the House.
Message on Senate action sent to the House.
Passed Senate without amendment by Yea-Nay Vote. 53 - 44. Record Vote Number: 260. (consideration: CR S5055, S5061-5062; text: CR S5062)
Senate roll call 260 · Individual votesPassed/agreed to in Senate: Passed Senate without amendment by Yea-Nay Vote. 53 - 44. Record Vote Number: 260.(consideration: CR S5055, S5061-5062; text: CR S5062)
Senate roll call 260 · Individual votesPlaced on Senate Legislative Calendar under General Orders. Calendar No. 228.
Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c).
Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c).
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Introduced in Senate
Primary sources
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Source last updated: Dec 5, 2025. Consult Congress.gov for the current record.
AI Conversation Starters
Choose a perspective, copy a prompt, and paste it into your preferred AI. Each prompt includes the bill version and available official source links, and asks for counterarguments as well as supporting evidence.
Analyze S.J.Res.32 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.
Examine S.J.Res.32 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.
Examine S.J.Res.32 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.
Examine S.J.Res.32 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.