US CONGRESS · SITTING

J. French Hill

Representative for Arkansas · Republican · United States

IN THEIR OWN WORDS

“Mr. Speaker, I thank Mr. McCaul, and I thank Chairman Mast for their work. Mr. Speaker, for the past decade, and certainly since February 2022, I have consistently advocated for arming the Ukrainians and placing effective sanctions on Russia. My record of supporting Ukraine is strong.”
House of Representatives16 September 2026Source ↗

“I share concerns that the tariffs in the bill could backfire. They could harm our trading partners while sparing the main importers of Russian oil like China. The risk of the bill is that an important economy like China could be spared, but tariffs could be used aggressively on smaller U.S. allies.”
House of Representatives16 September 2026Source ↗

“We want to deliver today a loud, resounding message to the Kremlin: End this war. Get out of Ukraine. Focus on rebuilding your shattered international reputation and your destroyed economy. Mr. Speaker, I urge my colleagues to support the bill, and I thank Mr. McCaul for his persistent leadership.”
House of Representatives16 September 2026Source ↗

“As chief, Helton implemented the city's comprehensive crime reduction strategy, leading to 4 consecutive years of falling crime. Violent crime has declined by 15 percent under his tenure. Chief Helton is an inspired choice to help shape the law enforcement training standards for Arkansas.”
House of Representatives23 July 2026Source ↗

“The second is the Chappell Armory in Arkansas, which was built for traditional drilling units but currently operates as a full-time headquarters. Amendment No. 158 seeks a no-cost land exchange between the Arkansas National Guard and USAR.”
House of Representatives22 July 2026Source ↗

“Mr. Chair, I rise in support of Amendment No. 158. Amendment No. 158 is extremely important to the Arkansas National Guard. That is why I am grateful to have the support of my Arkansas colleagues, Rep. Steve Womack and Rep. Rick Crawford.”
House of Representatives22 July 2026Source ↗

The complete record

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“Mr. Speaker, I move to suspend the rules and pass the bill (H.R. 6556) to prohibit the use of certain concentration limit exceptions with respect to mergers involving a failed bank unless the applicable agency determines such use is necessary to prevent significant economic disruption or significant adverse effects on financial stability, and for other purposes, as amended.”
House of Representatives14 July 2026Source ↗
“Mr. Speaker, I yield myself the balance of my time. Mr. Speaker, I thank the gentleman from Massachusetts and the minority for helping to make this a strong bipartisan bill to do something that is common sense, with no pun intended. In fact, for all of the good reasons that Mr. Lucas and Mrs. McClain outlined, this is the right decision at the right time for the American people. Mr. Speaker, I remind both the bankers across the country, the retailers, and all of the consumers out there that, as noted by Mr. Garcia, there are well over 100 billion pennies floating around out there in jars and drawers and cash registers across the country. You may still use those pennies until your heart is content. Mr. Speaker, I urge a ``yes'' vote on this bill, and I yield back the balance of my time.”
House of Representatives14 July 2026Source ↗
“Mr. Speaker, I yield 3 minutes to the gentleman from Oklahoma (Mr. Lucas), our chairman of the Task Force on Monetary Policy, Treasury Market Resilience, and Economic Prosperity. In my experience of being chairman of the committee on which he serves, he is a man who always comes to the committee and plans on throwing his 2 cents into every debate.”
House of Representatives14 July 2026Source ↗
“Mr. Speaker, I yield 3 minutes to the gentlewoman from Michigan (Mrs. McClain), our Republican Conference chair and the author of this bill. I really just ask her for a penny for her thoughts.”
House of Representatives14 July 2026Source ↗
“3074 provides a clear, uniform standard for how these transactions can be rounded, giving businesses certainty and ensuring everyone is playing by the same rules. This bill is about good stewardship of taxpayer dollars. It is about recognizing when government can do things more efficiently, making smart updates where they are needed, and saving money in the process. Mr. Speaker, I urge my colleagues to support H.R. 3074, and I reserve the balance of my time. {time} 1450”
House of Representatives14 July 2026Source ↗
“If we are going to no longer make pennies, people are likely to use more nickels. The problem is that nickels aren't exactly a bargain either and the gentleman from Massachusetts knows it. They cost nearly 14 cents to produce, so we need to make sure we don't solve one problem by creating another one. That is why Mrs. McClain's bill also gives the U.S. Treasury Secretary the authority to move to a lower cost, zinc-based nickel to ensure that increased nickel demand is not mitigating the savings due to the elimination of the penny. The bill also addresses something retailers and consumers are already experiencing. With fewer pennies available, many cash transactions are rounded to the nearest nickel. H.R.”
House of Representatives14 July 2026Source ↗
“Mr. Speaker, I yield myself such time as I may consume. Mr. Speaker, I rise today on the House floor in support of Republican Conference Chairwoman McClain's bill, the Common Cents Act. This is a simple, common ``cents'' bill aimed at saving taxpayer dollars and modernizing a part of our currency system that no longer makes economic sense. The numbers speak for themselves. According to an audit of the United States Mint, it costs $3.69 to make one penny. That is the 19th year in a row, Mr. Speaker, the government has spent more to make a penny than a penny is worth. Last year alone, taxpayers lost more than $85 million producing pennies. Chairwoman McClain's bill simply codifies President Trump's directive to the Mint to stop producing pennies. Of course, we have to be practical.”
House of Representatives14 July 2026Source ↗
“Mr. Speaker, I include in the Record the CBO estimate for this legislation. EFFECTS ON DIRECT SPENDING AND REVENUES OF LEGISLATION CONSIDERED UNDER SUSPENSION OF THE RULES IN THE HOUSE OF REPRESENTATIVES WEEK OF JULY 13, 2026 -------------------------------------------------------------------------------------------------------------------------------------------------------- Additional Effect on Direct Information on Suspension Bill Bill Number Title Spending Effect on Revenues Direct Spending and Text at Revenue Effects doc.house.gov -------------------------------------------------------------------------------------------------------------------------------------------------------- H.R. 3074........................ Common Cents Act, as Increase by Less None............... ................... ........... https:// amended. Than $500K.”
House of Representatives14 July 2026Source ↗
“Mr. Speaker, I ask unanimous consent that all Members may have 5 legislative days to revise and extend their remarks and include extraneous material on the bill.”
House of Representatives14 July 2026Source ↗
“It roots out waste, fraud, and abuse in the Federal budget. It is simply common sense that we focus on fiscal responsibility and rein in wasteful spending to which Washington has become so addicted. Mr. Speaker, I look forward to working with my House colleagues, Chairman Arrington, and the Members of this body to accomplish the President's goals by way of this reconciliation measure.”
House of Representatives9 April 2025Source ↗
“Mr. Speaker, I thank the chairman for kindly yielding to me. Mr. Speaker, the policies of the Biden-Harris administration crushed the spirit of the American people under the weight of rising costs from a 40-year high inflation, open borders, uncertain futures, and spending an avalanche on Biden's Big Government spending priorities that have saddled us with an annual deficit of $2 trillion. The resolution before us today offers a path forward to rein in wasteful spending and put our Nation on a responsible and sustainable fiscal path. It reflects the commitment to the American people that would secure a better future for all of us. This resolution secures the opportunity for tax cuts for hardworking American families and small businesses. It reins in the regulatory overreach that has long stifled our economic growth.”
House of Representatives9 April 2025Source ↗
“Mr. Speaker, on that I demand the yeas and nays. The yeas and nays were ordered.”
House of Representatives9 April 2025Source ↗
“This is an overdraft protection that helps millions of families across the country manage their payments and their bills between paychecks. It should be competitive and it should be accessible. We should vote ``yes'' on this resolution so that we agree with the Federal Reserve of New York when they say that to cap this fee to do price intervention here is to deny credit and deny this product to the hardest working families in America. Mr. Speaker, I urge a ``yes'' vote, and I yield back the balance of my time.”
House of Representatives9 April 2025Source ↗
“One of my colleagues called it overdraft protection insurance so that they don't make a mistake and miss a mortgage payment, a rent payment, or a utility payment that causes higher costs, higher fees, and higher interest rates. Two-thirds of consumers support overdraft protection products. Two- thirds of consumers think a reasonable fee is appropriate. Competition has brought down fees for years. In fact, many large banks don't even charge for overdraft protection. The assertion that consumers complain about this all the time, Mr. Speaker, I am sorry, I don't find the evidence to that. Even the Consumer Financial Protection Bureau's own database shows that less than 1 percent of consumer complaints over this past decade even reference this kind of a product. This is not a junk fee.”
House of Representatives9 April 2025Source ↗
“Mr. Speaker, I yield myself the balance of my time. Mr. Speaker, I thank my friends on this side of the aisle who have worked hard today, Mr. Speaker, to convince everybody in this body that this is a serious overreach by the CFPB in a Federal price mandate. Instead of letting consumers choose their financial institution and choose which one has the lowest overdraft fees and the best consumer accounts, instead we have the Federal Government trying to tell people what the price can be. It is Federal price-fixing. What the opposition has argued today is that these fees are hidden. They are not. Consumers opt into this product, Mr. Speaker. They know what the fee is because it is disclosed to them. It is required by Federal law today to disclose it under regulation DD. This is about access for overdraft protection.”
House of Representatives9 April 2025Source ↗
“Mr. Speaker, I would like to inquire of my good friend from California if she has any other speakers. I am prepared to close, and I reserve the balance of my time.”
House of Representatives9 April 2025Source ↗
“Mr. Speaker, I yield 1 minute to the gentleman from Indiana (Mr. Stutzman), who brings his entrepreneurship and State legislative practice. He is a former Congressman returning to the House Financial Services Committee. {time} 1400”
House of Representatives9 April 2025Source ↗
“Mr. Speaker, I yield 4 minutes to the gentleman from Kentucky (Mr. Barr), the chairman of our Subcommittee on Financial Institutions. Mr. Speaker, he has his two top advisers with him, Eleanor and Mary Clay.”
House of Representatives9 April 2025Source ↗
“Mr. Speaker, I yield 3 minutes to the gentleman from Michigan (Mr. Huizenga), the vice chairman of our full committee, who has such distinguished service on our committee. He is a leader in every way and also in the House Foreign Affairs Committee.”
House of Representatives9 April 2025Source ↗
“Mr. Speaker, I yield 3 minutes to the gentleman from Montana (Mr. Downing), a new member of the House Financial Services Committee. We are so delighted to have his expertise on our committee. He has a securities regulatory background. He was the State auditor. He serves on our committee and on the House Small Business Committee.”
House of Representatives9 April 2025Source ↗
“The Federal Reserve Bank of New York found that artificial price caps, like the one being discussed, being proposed by the CFPB on overdraft protection programs, reduced the supply, leading to fewer bank accounts for low-income families, period, full stop. I hear all the concern. Mr. Speaker, I yield 1 minute to the gentleman from North Carolina (Mr. McDowell). We are glad to have his voice in this debate.”
House of Representatives9 April 2025Source ↗
“Mr. Speaker, I yield myself such time as I may consume. Let me say that the gentlewoman makes a good point about financial management when it comes to late fees and accelerated interest rates on credit cards. That is why we are actually talking about overdraft protection today, because time and time again people take advantage of affordable, convenient, disclosed, not hidden overdraft protection so that their family can avoid a late fee on a credit card, which she just gave an excellent overview of her concerns about. If we want to do that, then give people the financial tools that they have in overdraft protection without micromanagement from the Federal Government. Don't take my word for it or anyone on this side of the aisle.”
House of Representatives9 April 2025Source ↗
“Mr. Speaker, I yield 1 minute to the gentleman from Wisconsin (Mr. Fitzgerald), a greater leader there, a fine leader in this House on the Judiciary Committee, and an active member on the House Financial Services Committee.”
House of Representatives9 April 2025Source ↗
“Rose), my good friend. Mr. Rose was the Commissioner of Agriculture in Tennessee before coming to Congress. He is a very active member of both the House Financial Services Committee and the Agriculture Committee. He has rural Tennesseans and their financial success at heart.”
House of Representatives9 April 2025Source ↗
“If they want overdraft protection to make sure that they are actually being protected on an extra payment or some bill they have between paychecks, they have it. It is completely spelled out. Regulation DD in the Truth in Savings Act requires financial institutions to provide that information. Clearly, customers opt in to it. Mr. Speaker, I promise you, I had it all through my early career when I couldn't make payments between paychecks. A young family, one income, lots of children, a lot of expenses, you do it. It is a good, prudent practice. As a community banker for decades, I can promise you families were smart about it. There is nothing hidden about it. It is fully present. Consumers opt in to it, and the competition is intense to retain those customers. Mr. Speaker, I yield 2 minutes to the gentleman from Tennessee (Mr.”
House of Representatives9 April 2025Source ↗
“Mr. Speaker, let me say that the gentlewoman from California knows my respect for her and her leadership on our committee, but there is no effort here to raise overdraft fees in this resolution. It is quite the contrast. All we are saying is we don't need the Federal Government having a price cap on a product that is a very competitive product, with many, many banks not even charging for overdraft protection. There is nothing hidden, Mr. Speaker, about fees on overdrafts. The Electronic Fund Transfer Act signed by this Congress made it clear decades ago that consumers must opt in to overdraft protection. Let me repeat that. Consumers select to do this. They shop for financial institutions online, down the street, whatever. They pick their credit union or bank to do business with.”
House of Representatives9 April 2025Source ↗
“I encourage all of my colleagues to support this resolution to restore common sense to our regulatory framework and ensure that consumers continue to have access to the financial services on which they rely. Mr. Speaker, I reserve the balance of my time.”
House of Representatives9 April 2025Source ↗
“Another survey found that 64 percent of customers think it is reasonable for a bank to charge an overdraft fee, and 72 percent feel these fees are justified, particularly when it helps them ensure timely payment of a much larger important bill, like a mortgage or rent. In my experience of helping families across rural Arkansas for many years, as I said, managing their finances, they are pretty smart about how to do that, Mr. Speaker. The truth is if the consumers lose access to overdraft protection, they will be forced to turn to alternative sources of credit that may be more expensive and riskier, have less consumer protection and documentation, and be less holistically handled than they would be at their home community financial institution or credit union.”
House of Representatives9 April 2025Source ↗
“Speaker, in 2023, a survey found that 92 percent of customers who were aware their balance wouldn't cover a transaction preferred paying the overdraft fee rather than having their transaction declined. Not only is it inconvenient or potentially embarrassing in a particular situation, but it is also fundamental to in-between paycheck cash flow. They are making the decision to go into overdraft so they make that mortgage payment on time, despite buying clothes for back to school and trying to do Christmas shopping. {time} 1315 In my experience with my customers, over my many years of working with families, I never found one who was not a worthy steward of how to use these services.”
House of Representatives9 April 2025Source ↗
“Unfortunately, this CFPB rule undermines this very approach and threatens to restrict access to credit and overdraft privileges, which all of us should be concerned about. The CFPB's rushed and haphazard approach to the rule is a clear example of how not to regulate. The CFPB made this decision before conducting meaningful research or considering the real-world consequences of its actions. The CFPB's rule imposes a government-mandated price cap on what financial institutions may charge in the way of a fee for an overdraft privilege. Like all price caps, this would reduce the availability of these very overdraft services, especially, Mr. Speaker, for consumers who have lower credit scores or are considered high risk.”
House of Representatives9 April 2025Source ↗
“Mr. Speaker, I yield myself such time as I may consume. Mr. Speaker, I rise in support of this joint resolution of disapproval. Today, we can protect consumers and ensure continued access to financial services by voting to nullify the Consumer Financial Protection Bureau's disastrous rule on overdraft fees. In a time burdened by the 40-year-high inflation, when many middle- and low-income households are living paycheck to paycheck, ensuring Americans have access to affordable credit has never been more important. Overdraft protection is an optional service that financial institutions provide to help consumers avoid having purchases declined. Instead of the transaction being denied, the bank or credit union charges a flat fee to cover the check on behalf of that consumer. It lets that purchase proceed.”
House of Representatives9 April 2025Source ↗
“Mr. Speaker, I ask unanimous consent that all Members may have 5 legislative days to revise and extend their remarks and include extraneous material on the resolution under consideration.”
House of Representatives9 April 2025Source ↗
“Mr. Speaker, pursuant to House Resolution 294, I call up the joint resolution (S.J. Res. 18) disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to ``Overdraft Lending: Very Large Financial Institutions,'' and ask for its immediate consideration in the House.”
House of Representatives9 April 2025Source ↗
“Nonbank providers of digital payments are already being regulated at both the State and the Federal levels. American consumers did not petition us, Mr. Speaker, to intervene in this way at the last minute in the waning days of the Biden administration. Of all the CFPB's annual complaints that they collect year in and year out, less than 1 percent even touch on this market. This Congressional Review Act will overturn last-minute rulemaking from the Biden-Harris administration and ensure that consumers have access to innovative financial products. Mr. Speaker, I urge all my colleagues on both sides of the aisle to support S.J. Res. 28, and I yield back the balance of my time.”
House of Representatives9 April 2025Source ↗
“It is a wide variety of digital payment services from peer- to-peer apps, to a digital wallet, to e-commerce tools, like the gentleman from Nebraska talked about, as if they are identical simply because they facilitate a certain number of payments, but they are not substantively the same. They can't be treated identically. That is a huge flaw in this rule. Mr. Speaker, I reiterate my support for Mr. Flood's support of S.J. Res. 28. He has worked hard on this with Senator Ricketts from his home State of Nebraska. They stand on the facts that a vote for this resolution is a vote to prevent the CFPB from stifling financial innovation with its one-size-fits-all approach and limiting customers' access to increased access to financial payments.”
House of Representatives9 April 2025Source ↗
“I do have process concerns about how the former director of the CFPB carried on this particular proposal. Secondly, my colleagues have talked about the substance of it and how it is confusing and steps beyond, again, the mission and the direction by Congress to the CFPB. My good friend from California (Ms. Waters), the ranking member of the full committee, referenced several other large participant-type rules that had been proposed by the CFPB, but they were in discrete market segments. Mr. Speaker, this is actually one of the biggest concerns about this proposal.”
House of Representatives9 April 2025Source ↗
“Mr. Speaker, I yield myself the balance of my time. Mr. Speaker, let me say that, again, we are talking about unelected bureaucrats in an agency that is not following the strict direction of Congress and have overreached in how they have proposed this rule at the last minute at the end of the Biden administration. It is truly a midnight rule with limited comment period. Mr. Speaker, 30 days is the minimum under anybody's consideration of a fair-minded Administrative Procedure Act comment period. Yet, everything you read says that it should be extended if market participants feel like they haven't been heard, and 30 days at the end of an administration over the holiday period at the end of the year is not sufficient time for Members of Congress, market participants, consumers, and others to weigh in.”
House of Representatives9 April 2025Source ↗
“Mr. Speaker, I yield 1 minute to the gentleman from North Carolina (Mr. Moore), the distinguished former speaker of the house of North Carolina, who is a new member of the House Committee on Financial Services.”
House of Representatives9 April 2025Source ↗
“Mr. Speaker, I yield myself such time as I may consume. I absolutely think Members of this House should stand up for the rule of law starting with Article I, the legislative authority that we draft the statutes here and direct the independent agencies how to do their rulemakings, under what conditions to do their rulemakings, how to evaluate their rulemakings, and what is a reasonable amount of time to get public input. We have the right, on behalf of the elected Representatives of the American people, to let our voices be known when a nonelected, to quote my good friend, the gentlewoman from California (Ms. Waters), unelected bureaucrat chooses to step beyond the bounds of the statute and do something not in keeping with process. Mr. Speaker, I yield 5 minutes to the gentleman from Nebraska (Mr.”
House of Representatives9 April 2025Source ↗
“This is about defending good governance, our legislative authority, and the public's right to be part of major and costly regulatory decisionmaking. {time} 1230 If we allow this rule to stand, we are setting a dangerous precedent, one where Federal agencies can bypass Congress, ignore public input, and rewrite rules largely behind closed doors. This is a precedent that we cannot afford to set, regardless of who is in the White House or who is in the crosshairs. Mr. Speaker, the CFPB operated without accountability or transparency. It has undermined consumer protections, stifled innovation, and eroded public trust. I encourage my colleagues to support this resolution and reassert the proper role of Congress in setting the regulatory agenda and shaping sound financial policy. Mr. Speaker, I reserve the balance of my time.”
House of Representatives9 April 2025Source ↗
“What we have instead is an agency stretching its mandate in a way Congress never intended. By allowing this final rule to remain intact, we are affirming that scale alone justifies the regulation, meaning size and scope alone justifies the regulation regardless of the conduct, the risk, or harm to a consumer. This CFPB approach violates decades of balanced principles in assessing and implementing regulations in finance. It certainly is not the barometer that Congress intended for the CFPB to use when interpreting their authorities. This is not responsible, risk-based regulation. It is a shortcut to control, applied without the justification that both consumers and innovators deserve. Some may try to frame this argument as a gift to Big Tech. That is a distraction. This is not about defending large companies.”
House of Representatives9 April 2025Source ↗
“Now, this is not the first time that the CFPB has issued rules without sufficient transparency or process. In fact, Members on both sides of the aisle during my years in Congress have routinely criticized the CFPB for rushing matters, not following the process, not giving the public sufficient time to criticize and critique its proposals. However, Mr. Speaker, this needs to be the last time that the CFPB does this. In a post-Chevron deference world, Congress must step in and assert our Article I authority over independent agencies that stray beyond their statutory authority, bypass the legislative process, and undermine the public trust. Let's be clear: There is no apparent evidence of widespread consumer harm that justifies this rule. There is no demonstrated market failure here.”
House of Representatives9 April 2025Source ↗
“Mr. Speaker, I yield myself such time as I may consume. Mr. Speaker, I rise today in strong support of this resolution to overturn the Consumer Financial Protection Bureau's deeply flawed final rule on larger participants in general-use digital payment applications. It sounds complicated, Mr. Speaker, but it is not. This is a midnight rule created by the Consumer Financial Protection Bureau. It is overly broad, and it is imprecise. It treats a wide variety of digital payment applications, peer-to-peer apps, digital wallets, and e-commerce tools, as though they are identical simply because they facilitate payments and serve a large numbers of users. However, these products are not the same. They serve different models, operate under different rules, and pose different kinds of consumer risks.”
House of Representatives9 April 2025Source ↗
“Mr. Speaker, I ask unanimous consent that all Members may have 5 legislative days to revise and extend their remarks and include extraneous material on the resolution under consideration.”
House of Representatives9 April 2025Source ↗
“Mr. Speaker, pursuant to House Resolution 284, I call up the joint resolution (S.J. Res. 28) 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,'' and ask for its immediate consideration in the House.”
House of Representatives9 April 2025Source ↗
“Mr. Speaker, I rise today to welcome today's guest chaplain, my friend, Rabbi Pinchus Ciment. Rabbi Ciment is the director of Chabad Lubavitch of Arkansas in Little Rock and is currently the longest serving rabbi in our State. He was born in Boston, Massachusetts, and moved to Little Rock with his wife in 1992.”
House of Representatives27 March 2025Source ↗
“Mr. Speaker, I rise today to recognize Keaton Beasley of Simmons Bank. Keaton is a graduate of Henderson State University, a member of the Alpha Phi Alpha fraternity, and a banker in Little Rock. Keaton exemplifies the ethos of a community banker, frequently working with children, adults, and seniors to teach them the importance of financial literacy.”
House of Representatives24 March 2025Source ↗
“Madam Speaker, I rise to wish Lorie Tudor, the former director of the Arkansas Department of Transportation, a very healthy and happy retirement. Lorie was with the Department of Transportation for over four decades and served as the director for the last 5 years. She began her career at the department as a clerk-typist back in 1982.”
House of Representatives10 March 2025Source ↗
“Speaker, we will have a bipartisan roundtable tomorrow in the House Financial Services Committee where Members on both sides of the aisle will talk with experts about how best to improve resilience and think through recovery for southern California. I thank my colleagues for their bipartisan work on H.R. 965. I urge a ``yes'' vote on both sides of the aisle, and I yield back the balance of my time.”
House of Representatives10 February 2025Source ↗
“Mr. Speaker, I ask unanimous consent that all Members may have 5 legislative days in which to revise and extend their remarks and include extraneous material on this bill.”
House of Representatives10 February 2025Source ↗

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