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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.
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Status: Introduced
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Additional Information
Print number: 119_HR_5953
Sponsor: Rep. Jacobs, Sara [D-CA-51]
Process start date: 2025-11-07
System Note: Lustra is free, publicly auditable civic infrastructure — full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source—always verify them if you can.
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.

What is the impact of this bill?

We don't know—that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge.

CATEGORIES

Economy Labor