Congress moves to restore CFPB consumer-abuse safeguards
H.J.Res. 180 — Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Statement of Policy Regarding Prohibition on Abusive Acts or Practices". · Filed by Sylvia Garcia (D-TX) · Introduced May 11, 2026 · Referred to committee
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What it does
This resolution uses the Congressional Review Act to block a CFPB rule that withdrew consumer-protection guidance on abusive financial practices. By disapproving the withdrawal, Congress would restore the original anti-abuse policy, preventing the CFPB from removing that consumer safeguard.
Why we flagged it
The bill uses the Congressional Review Act (CRA) to disapprove a CFPB withdrawal, functionally restoring consumer-protection guidance. It is a procedural instrument of legislative oversight, not a substantive policy change—the underlying rule already exists in the regulatory record.
What the text implies
- If passed, this resolution would set a precedent for using CRA to block agency rescissions of prior rules, potentially expanding congressional power to override executive deregulation efforts.
- The resolution targets a specific CFPB action dated May 12, 2025, suggesting it responds to a recent regulatory shift; passage would signal congressional intent to preserve that particular consumer-protection posture.
The full analysis lists 3 implications of this text.
Who it affects
Ordinary consumers gain protection against abusive acts or practices by financial institutions. The bill restores a safeguard that the CFPB attempted to remove, strengthening consumer rights and regulatory oversight of predatory conduct.