Congress blocks rules for Apple Pay, Google Pay, PayPal oversight
S.J.Res. 28 — 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". · Filed by Pete Ricketts (R-NE) · 5 cosponsors · Introduced Feb 27, 2025 · Signed
Your members of Congress
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What it does
Congress stopped a rule from the Consumer Financial Protection Bureau. The rule would have let the bureau watch over big digital payment apps. It covered Apple Pay, Google Pay, and PayPal.
Who it affects
People who use digital payment apps lose a way to complain to the government. Big tech companies that run payment apps do not have to follow new rules.
One thing to notice
Digital payment apps will not be checked by the Consumer Financial Protection Bureau. They handle billions of dollars and personal money facts.
From the analysis of the bill text, linked under Primary records below.
Where it stands
5 cosponsors: 5 Republicans.
- Feb 27, 2025 — Introduced · Congress.gov: “Introduced in Senate”
- Feb 27, 2025 — Referred to Senate Committee on Banking, Housing, and Urban Affairs · Congress.gov: “Read twice and referred to the Committee on Banking, Housing, and Urban Affairs”
- Mar 4, 2025 — Reported out of committee · Congress.gov: “Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c)”
- Mar 5, 2025 — Passed the Senate · Congress.gov: “Passed Senate without amendment by Yea-Nay Vote. 51 - 47. Record Vote Number: 106”
- Apr 9, 2025 — Passed both chambers · Congress.gov: “On passage Passed by the Yeas and Nays: 219 - 211 (Roll no. 95). (text: CR H1514)”
- May 5, 2025 — Sent to president · Congress.gov: “Presented to President”
- May 9, 2025 — Signed into law · Congress.gov: “Became Public Law No: 119-11”
Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.
Money around this bill
1 groups reported lobbying about this bill. They filed 3 reports from Dec 2025 to Jun 2026.
Those reports show $54,660,000 in lobbying spending. Each report lists about 254 bills. So that money was not all for this bill.
More groups named this bill than 0% of bills with any report.
Pete Ricketts, who sponsored the bill, received $1,935,058 from PACs for the 2026 election.
- Chamber of Commerce of the U.S.A. — $54,660,000 in 3 reports
Lobbying is legal. These reports show who lobbied about this bill, not what changed.
Words to know
- Consumer Financial Protection Bureau — A government agency that makes rules to protect people's money.
- digital payment apps — Apps on phones that let people send money or pay for things.
- lobbying — Trying to influence lawmakers about a bill. Companies and groups pay people to do this.
- PACs — Groups that collect money and give it to candidates for office.
- sponsored — To sponsor a bill is to introduce it in Congress and put your name on it.
How this was measured
Analysis — Quorum's AI read the bill text published by Congress.gov (1,194 characters) on Jun 3, 2026. Section numbers in the findings refer to that text, linked below; transparency and hidden-provision scores are compared against the median of 14,342 analysed bills.
Status and sponsors — Congress.gov's bill record — actions, committee referrals and cosponsors — loaded nightly. The timeline shows status changes, not every procedural action.
Money — Senate Lobbying Disclosure Act filings whose specific-issue field names this bill for quarters ending Dec 2025 to Jun 2026. A filing's amount is reported whole beside the median number of bills a filing names; it is never divided across them. PAC receipts are FEC-reported contributions to the sponsor's candidate committee in the 2026 cycle.
As of — lobbying records through Jul 20, 2026 · page rendered 2026-09-18.
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