Bill · H.J.Res. 185· House(119-HJRES-185)
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 "Consumer Financial Protection Circular 2024-03: Unlawful and Unenforceable Contract Terms and Conditions".
- Introduced
- 5/13/2026
- Last activity
- 5/13/2026 — Referred to the House Committee on Financial Services.
- Sponsored by
- Juan Vargas
- Cosponsors
- None
- Introduced
- In Committee
What this bill would do
This joint resolution seeks 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 "Consumer Financial Protection Circular 2024-03: Unlawful and Unenforceable Contract Terms and Conditions." If passed, the resolution would ensure that the rule submitted by the Bureau has no force or effect.
Yes
Would business owners be better off under this?+3
The resolution provides relief to businesses by nullifying a consumer protection rule regarding contract terms and conditions.
The opposite· 3 of 4
Would households on low incomes be better off under this?-3
By removing the circular that addressed unlawful and unenforceable contract terms, low-income households lose a layer of consumer protection.
Would middle-income households be better off under this?-3
The withdrawal of the rule regarding unfair contract terms reduces protections for middle-income consumers.
Does this give people more protection from unfair business practices?-3
The resolution disapproves a rule aimed at preventing unlawful and unenforceable contract terms, which reduces consumer protections against unfair business practices.
Who it would affect, and how
Potential Positive Impacts for People
- There are no specific positive impacts for individuals or groups of people mentioned within the provided text.
Potential Negative Impacts for People
- There are no specific negative impacts for individuals or groups of people mentioned within the provided text.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Business Owners+3Good For Low Income Households-3Good For Middle Class Households-3
- Economy And Finance
- Improves Consumer Protection-3
- Governance And Ideology
- Increases Federal Power-2
- 5/13/2026
- 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.