The gist

Blocks banks and credit card companies from charging overdraft and late fees to furloughed federal workers and unpaid military members during a government shutdown.

Who wins, who loses

Wins: furloughed federal employees, active-duty military, and civil service workers stuck working without pay during shutdowns.

Loses: banks and credit card issuers that collect overdraft and late-payment fees from these accounts.

What it does

Bans financial institutions from charging insufficient-funds (overdraft) fees on accounts held by affected workers.

Bans credit card issuers from charging late fees when payments come due during a shutdown.

Applies only during periods when federal appropriations lapse.

Covers civil service, Armed Forces, and uniformed services members furloughed or working without pay.

Why should I care?

Supporters say troops and federal workers should not get punished with fees when Congress fails to pass a budget on time. Critics argue banks already offer voluntary shutdown relief, and forcing waivers could shift costs to other customers. Military families include teens whose parents could lose hundreds in fees. Where do you land? Vote below and use "Tell Your Rep" to make sure your voice reaches Congress.