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Protect Federal and Military Employees from Bank Fees During Shutdowns.

This law shields federal and military personnel who are unpaid during a government shutdown from specific bank and credit card fees. It ensures that these citizens will not face penalties for insufficient funds or late credit card payments during the financial hardship caused by the shutdown. The goal is to ease the financial burden on those working without pay or furloughed.
Key points
Banks cannot charge fees for insufficient funds (like overdraft fees) to federal and military employees who are working without pay or furloughed during a shutdown.
Credit card issuers cannot charge late payment fees if the payment due date falls within the period of a government shutdown.
Protection applies to civil service employees, Armed Forces, and uniformed services personnel affected by the lack of appropriations.
article Official text account_balance Process page
Introduced
Citizen Poll
No votes cast
Additional Information
Print number: 119_HR_5953
Sponsor: Rep. Jacobs, Sara [D-CA-51]
Process start date: 2025-11-07
Lustra uses Artificial Intelligence. Verify details in source documents.
Summarized by: gemini-2.5-flash-preview-09-2025
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

Protect Military and Federal Employees from Unfair Bank Fees Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_HR_5953.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2025-11-07.

What are the main provisions?

Key points include:

  • Banks cannot charge fees for insufficient funds (like overdraft fees) to federal and military employees who are working without pay or furloughed during a shutdown.
  • Credit card issuers cannot charge late payment fees if the payment due date falls within the period of a government shutdown.
  • Protection applies to civil service employees, Armed Forces, and uniformed services personnel affected by the lack of appropriations.
What is the specific legal status?

The current status is Introduced.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Jacobs, Sara [D-CA-51].

What is the latest detailed status?

The latest detailed status is: Referred to the House Committee on Financial Services.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-23.

CATEGORIES

Economy Labor