119th Congress · introduced in the House · Oct 3, 2025
Shutdown Guidance for Financial Institutions Act
Official title from Congress.gov
Latest action (Oct 3, 2025): Referred to the Committee on Financial Services, and in addition to the Committee on the Budget, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
View on Congress.govPolicy area: Finance and Financial Sector
Congressional Research Service summary, version: Introduced in House (Oct 3, 2025)
Shutdown Guidance for Financial Institutions Act
This bill directs financial regulators—including the Federal Reserve Board, the Consumer Financial Protection Bureau, the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, and the National Credit Union Administration—to jointly issue guidance relating to a government shutdown.
Specifically, financial regulators must issue guidance encouraging financial institutions to
• work with consumers and businesses affected by a shutdown,
• recognize that consumers and businesses affected by a shutdown may lose access to credit and face temporary hardship in making payments on debts,
• consider efforts to modify terms on existing loans or extend new credit to assist consumers and businesses affected by a shutdown, and
• take steps to prevent adverse credit information from being reported in a manner that harms consumers affected by a shutdown.
In addition, financial regulators must jointly issue a press release to notify financial institutions, consumers, and businesses of this guidance in the event of a government shutdown.
Financial regulators must also complete a report after a government shutdown regarding the guidance's effectiveness and update the guidance if any shortcoming are identified in the report.
Show less of the summaryIncludes amendment, cloture, and procedural votes. Each is labeled with its exact question; only a passage question is a vote to pass the bill.
No recorded roll calls on this bill in coverage.
Referred to the Committee on Financial Services, and in addition to the Committee on the Budget, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Referred to the Committee on Financial Services, and in addition to the Committee on the Budget, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Introduced in House
Introduced in House
Actions from Congress.gov, newest first.
LD-2 reports whose issue descriptions explicitly cite this bill (bill type and number validated against Congress.gov records). A citation does not establish the client's position or any contact with a member.
Loading lobbying reportsCoverage: reports for 2025 onward, posted Jan 1, 2025 through Oct 24, 2026.
8 citations.
NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES · lobbying firm or registrant: NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Financial Institutions/Investments/Securities
$520,000
Spent on own lobbying
…e unused authorities of the Securities and Exchange Commission that were established pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act. H.R.5689 - To require the Federal financial regulators to issue guidance encouraging financial institutions to work with consumers and businesses affected by a Federal…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL TREASURY EMPLOYEES UNION · lobbying firm or registrant: NATIONAL TREASURY EMPLOYEES UNION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 19, 2026 · issue area: Government Issues
$310,000
Spent on own lobbying
…ncy Relief for Federal Workers Act of 2025 S. 2966, Emergency Relief for Federal Workers Act of 2025 H.R. 5676, Stop Stealing Our Jobs Act H.R. 5679, TRUMP Act H.R. 5689, Shutdown Guidance for Financial Institutions Act S. 2995, Shutdown Guidance for Financial Institutions Act H.R. 5708, Federal Employees Civil Relief Act S. 29…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES · lobbying firm or registrant: NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Financial Institutions/Investments/Securities
$540,000
Spent on own lobbying
…e unused authorities of the Securities and Exchange Commission that were established pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act. H.R.5689 - To require the Federal financial regulators to issue guidance encouraging financial institutions to work with consumers and businesses affected by a Federal…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL TREASURY EMPLOYEES UNION · lobbying firm or registrant: NATIONAL TREASURY EMPLOYEES UNION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Government Issues
$340,000
Spent on own lobbying
…ncy Relief for Federal Workers Act of 2025 S. 2966, Emergency Relief for Federal Workers Act of 2025 H.R. 5676, Stop Stealing Our Jobs Act H.R. 5679, TRUMP Act H.R. 5689, Shutdown Guidance for Financial Institutions Act S. 2995, Shutdown Guidance for Financial Institutions Act H.R. 5708, Federal Employees Civil Relief Act S. 29…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES · lobbying firm or registrant: NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Financial Institutions/Investments/Securities
$506,440
Spent on own lobbying
…e unused authorities of the Securities and Exchange Commission that were established pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act. H.R.5689 - To require the Federal financial regulators to issue guidance encouraging financial institutions to work with consumers and businesses affected by a Federal…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL TREASURY EMPLOYEES UNION · lobbying firm or registrant: NATIONAL TREASURY EMPLOYEES UNION
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 13, 2026 · issue area: Government Issues
$310,000
Spent on own lobbying
…ncy Relief for Federal Workers Act of 2025 S. 2966, Emergency Relief for Federal Workers Act of 2025 H.R. 5676, Stop Stealing Our Jobs Act H.R. 5679, TRUMP Act H.R. 5689, Shutdown Guidance for Financial Institutions Act S. 2995, Shutdown Guidance for Financial Institutions Act H.R. 5708, Federal Employees Civil Relief Act S. 29…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL TREASURY EMPLOYEES UNION · lobbying firm or registrant: NATIONAL TREASURY EMPLOYEES UNION
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Jan 20, 2026 · issue area: Government Issues
$350,000
Spent on own lobbying
…ncy Relief for Federal Workers Act of 2025 S. 2966, Emergency Relief for Federal Workers Act of 2025 H.R. 5676, Stop Stealing Our Jobs Act H.R. 5679, TRUMP Act H.R. 5689, Shutdown Guidance for Financial Institutions Act S. 2995, Shutdown Guidance for Financial Institutions Act H.R. 5708, Federal Employees Civil Relief Act S. 29…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES · lobbying firm or registrant: NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Jan 16, 2026 · issue area: Financial Institutions/Investments/Securities
$465,758
Spent on own lobbying
…e unused authorities of the Securities and Exchange Commission that were established pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act. H.R.5689 - To require the Federal financial regulators to issue guidance encouraging financial institutions to work with consumers and businesses affected by a Federal…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing