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 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.
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.
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.
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Officially: 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.
Use this page to support, oppose, or ask Congress to amend S.J.RES.28. 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
Signed into law
This bill is now law. You can still tell your representatives how you feel about their vote.
↓ Why your message matters here
This bill is now law — but your representatives still need to know where their constituents stand, especially when similar issues come up next.
Enter your ZIP to see how your senators and member of Congress have voted, sponsored, or spoken on this bill.
Where this bill is in the process
Introduced
Introduced in Senate
Senate Committee
Under Senate committee consideration
Senate Floor Vote
Voted on by Senate
Passed Senate
Approved by Senate
House Review
Sent to House for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
Latest: Became Public Law No: 119-11. (5/9/2025)
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.
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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 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"., 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 (became law), 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 S.J.RES.28, your stance, and the reasons you choose, then lets you edit and send when ready.
