BGOV Analysis: S. J. Res. 28, Block Digital Wallets Rule (1)

March 4, 2025, 9:56 PM UTCUpdated: March 31, 2025, 9:15 AM UTC

A Consumer Financial Protection Bureau rule expanding oversight over larger digital consumer payment platforms would be blocked through the Congressional Review Act by S. J. Res. 28.

The CFPB’s “larger participant” rule, which was finalized on Dec. 10 and went into effect in January, calls for nonbank entities that process at least 50 million transactions each year through digital wallets and payment applications to be regulated more like big banks.

The rule covers seven of the largest companies that run payment platforms — such as Apple Inc., Alphabet Inc.‘s Google, PayPal Inc., and Venmo LLC ...

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