What is the official ID of this bill?

The official print number for this legislation is SJRES 143.

When did the legislative process begin?

The process officially started on 2026-03-25.

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: https://www.congress.gov/119/bills/sjres143/BILLS-119sjres143is.htm

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2026-03-27.

Who is the primary sponsor?

The primary sponsor is Sen. Whitehouse, Sheldon [D-RI].

Which chamber initiated this legislation?

This legislation was initiated in the Senate.

What is the latest detailed status?

The latest detailed status is: Introduced in Senate

Analysis and Potential Impact of SJRES 143

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. Review our public AI processing logs for full transparency, and use Lustra to track active legislation for instant status push notifications.

Preventing banks from reopening closed deposit accounts without consumer consent

Q: What are the main provisions?

Key points include: Maintains protections against the unauthorized reopening of closed bank accounts by financial institutions. Prevents banks from charging unexpected fees or creating overdrafts on accounts consumers intended to close. Ensures consumers have better control over their banking relationships and personal finances.

This resolution stops the removal of rules that protect consumers from banks reopening their closed accounts. It ensures that banks cannot unilaterally reactivate accounts, which often leads to unexpected fees and financial stress for individuals.

Key points

Maintains protections against the unauthorized reopening of closed bank accounts by financial institutions.

Prevents banks from charging unexpected fees or creating overdrafts on accounts consumers intended to close.

Ensures consumers have better control over their banking relationships and personal finances.

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Status:

Introduced

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Additional Information

A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Consumer Financial Protection Circular 2023-02: Reopening Deposit Accounts That Consumers Previously Closed".

Print number: SJRES 143

Sponsor: Sen. Whitehouse, Sheldon [D-RI]

Process start date: 2026-03-25

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Summarized by: gemini-flash-latest

Source data: api.congress.gov

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