Shutdown Guidance for Financial Institutions Act
Introduced Oct 9, 2025 by Sen. Chris Van Hollen
It's waiting on a committee vote to reach the full chamber. Most bills never leave this stage.
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,
Read the full summary on Congress.govSummary by the Congressional Research Service.
No floor votes yet — it hasn't reached the floor of either chamber.