Bill · H.J.Res. 163· House(119-HJRES-163)
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 "Application of Regulation Z's Ability-To-Repay Rule to Certain Situations Involving Successors-In-Interest".
- Introduced
- 4/30/2026
- Last activity
- 4/30/2026 — Referred to the House Committee on Financial Services.
- Sponsored by
- Cleo Fields
- Cosponsors
- None
- Introduced
- In Committee
What this bill would do
This joint resolution aims to express congressional disapproval of a rule submitted by the Bureau of Consumer Financial Protection. The rule in question involves the withdrawal of a previous rule regarding the application of Regulation Z's Ability-To-Repay Rule to certain situations involving successors-in-interest. If passed, this resolution would ensure that the submitted rule has no force or effect.
Yes
Does this give people more protection from unfair business practices?+5
The resolution prevents the withdrawal of a consumer protection rule regarding the ability-to-repay requirements for successors-in-interest.
Would households on low incomes be better off under this?+3
By maintaining the ability-to-repay protections, the resolution helps safeguard consumers who may be navigating inheritance and debt obligations.
Does this make what the government does easier for the public to see?+2
The resolution utilizes the congressional disapproval process to exercise oversight over agency rulemaking.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- Prevents the withdrawal of the previous rule: By disapproving the new rule, Congress prevents the Bureau of Consumer Financial Protection from withdrawing the rule relating to "Application of Regulation Z's Ability-To-Repay Rule to Certain Situations Involving Successors-In-Interest" (90 Fed. Reg. 20084).
Potential Negative Impacts for People
- No specific negative impacts are listed in the text: The provided document does not detail any specific negative consequences resulting from this resolution.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Economy And Finance
- Improves Consumer Protection+5
- Demographic And Interest Groups
- Good For Low Income Households+3
- Governance And Ideology
- Improves Government Transparency+2
- 4/30/2026
- Referred to the House Committee on Financial Services.
- Introduced in House
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.