Bill would limit the CFPB's power to stop harmful lending practices.
H.R. 10184 — Consumer Financial Protection Accountability and Reform Act of 2026 · Filed by Andy Barr (R-KY) · 29 cosponsors · Introduced Aug 31, 2026 · Referred to committee
Your members of Congress
Enter a ZIP to see where your representative and both senators stood on this bill.
Looked up on this device — your ZIP is never stored on our servers.
What it does
The bill moves the CFPB to yearly budget approval by Congress. It requires detailed cost-benefit studies before new rules. The bill narrows what counts as abusive. Lenders get 180 days to fix problems before penalties. It shields small-dollar lenders from lawsuits. It limits CFPB oversight of certain financial companies.
Who it affects
Consumers lose some protections against harmful lending. Small-dollar lenders and payday loan companies face fewer penalties and lawsuits. State-regulated insurance companies and debt collection firms face less CFPB oversight.
One thing to notice
The bill gives lenders 180 days to fix violations after reporting them. This delays when consumers get help. The bill also stops penalties for harmful conduct before the most recent examination.
From the analysis of the bill text, linked under Primary records below.
Where it stands
29 cosponsors: 29 Republicans.
- Aug 31, 2026 — Introduced · Congress.gov: “Introduced in House”
- Aug 31, 2026 — Referred to House Committee on Oversight and Government Reform and House Committee on Small Business · Congress.gov: “Referred to the Committee on Financial Services, and in addition to the Committees on the Judiciary, Small…”
Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.
Words to know
- abusive — A practice that harms consumers in a way that is unfair, deceptive, or unreasonable.
- small-dollar lenders — Companies that loan small amounts of money, often at high interest rates, to people who need cash fast.
- CFPB — A federal agency that stops banks and lenders from harming people with unfair or deceptive practices.
- oversight — The power to watch over and regulate what a company does.
How this was measured
Analysis — Quorum's AI read the bill text published by Congress.gov (50,094 characters) on Sep 5, 2026. Section numbers in the findings refer to that text, linked below; transparency and hidden-provision scores are compared against the median of 14,206 analysed bills.
Status and sponsors — Congress.gov's bill record — actions, committee referrals and cosponsors — loaded nightly. The timeline shows status changes, not every procedural action.
As of — page rendered 2026-09-17.
“Bill would limit the CFPB's power to stop harmful lending practices.” QuorumCivic. https://share.quorumcivic.app/bill/119/hr10184/simple Report an error