Bill · S.J.Res. 174· Senate(119-SJRES-174)
A joint resolution 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 "Bulletin 2022-04: Mitigating Harm From Repossession of Automobiles".
- Introduced
- 4/13/2026
- Last activity
- 4/13/2026 — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Sponsored by
- Elizabeth Warren
- Cosponsors
- None
- Introduced
- In Committee
What this bill would do
This joint resolution aims to provide congressional disapproval of a rule submitted by the Bureau of Consumer Financial Protection. The rule in question relates to the withdrawal of a previous rule titled ``Bulletin 2022-04: Mitigating Harm From Repossession of Automobiles''. If passed, this resolution would ensure that the Bureau's rule has no force or effect. It was introduced in the Senate on April 13, 2026.
Yes· 3 of 6
Does this give people more protection from unfair business practices?+5
The resolution blocks the withdrawal of Bureau guidelines intended to mitigate harm during automobile repossessions, thereby maintaining consumer protections.
Would households on low incomes be better off under this?+4
Preserving protections against automobile repossession helps safeguard the assets and mobility of low-income households.
Does this give the federal government more power?+3
The resolution uses congressional authority to prevent a regulatory agency from withdrawing its previous guidance.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- Maintaining Previous Protections: By disapproving the withdrawal of the previous rule, this resolution would prevent the removal of the guidelines found in ``Bulletin 2022-04: Mitigating Harm From Repossession of Automobiles'' (87 Fed. Reg. 11951 (March 3, 2022)). This could potentially keep existing efforts to mitigate harm from automobile repossessions in place.
Potential Negative Impacts for People
- No specific negative impacts are detailed in the text: The provided document focuses on the legislative action of disapproving a rule withdrawal and does not list specific negative consequences for individuals or groups.
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 Low Income Households+4Good For Middle Class Households+2Good For Urban Residents+1
- Economy And Finance
- Improves Consumer Protection+5
- Governance And Ideology
- Increases Federal Power+3
- Social Issues And Justice
- Improves Poverty Reduction+2
- 4/13/2026
- Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Introduced in Senate