H.J.Res. 178, Consumer Protection Restoration. Quorum's AI analysis reads it as a net benefit — and names who gains.

What it does

This bill uses a Congressional Review Act procedure to block the Consumer Financial Protection Bureau's decision to withdraw a rule that required financial institutions to examine whether they were unfairly targeting or harming active-duty military members and their families. If passed, the rule requiring these examinations would be restored and financial companies would have to resume checking for predatory practices against servicemembers.

The analysis did not isolate a single beneficiary class.

The trade-off

Restoring the rule may increase compliance costs for financial institutions, potentially affecting pricing or product availability for servicemembers, though the intent is consumer protection.

Transparency scores 95%, with a low warning level and no detached riders.

Who is behind it

Filed by Vicente Gonzalez.