3.0.0
1652
2025-12-16T20:21:49Z
2025-12-16T20:21:49Z
House
H
HR
2025-02-27
119
https://www.congress.gov/bill/119th-congress/house-bill/1652
[Congressional Record Volume 171, Number 39 (Thursday, February 27, 2025)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. BARR:H.R. 1652.Congress has the power to enact this legislation pursuantto the following:Article 1, Section 8 of the United States Constitution.[Page H918]
- hsba00
Financial Services Committee
House
Standing
  - Referred To
2025-02-27T14:06:20Z
- 2025-02-27
Referred to the House Committee on Financial Services.
IntroReferral
H11100
2
House floor actions
  - hsba00
Financial Services Committee
- 2025-02-27
Introduced in House
IntroReferral
Intro-H
9
Library of Congress
- 2025-02-27
Introduced in House
IntroReferral
1000
9
Library of Congress
- B001282
Rep. Barr, Andy [R-KY-6]
Andy
Barr
R
KY
6
N
- G000597
Rep. Garbarino, Andrew R. [R-NY-2]
Andrew
Garbarino
R
NY
R.
2
2025-06-24
False
- W000812
Rep. Wagner, Ann [R-MO-2]
Ann
Wagner
R
MO
2
2025-06-26
False
- M001204
Rep. Meuser, Daniel [R-PA-9]
Daniel
Meuser
R
PA
9
2025-06-26
False
- D000594
Rep. De La Cruz, Monica [R-TX-15]
Monica
De La Cruz
R
TX
15
2025-06-26
False
- M001236
Rep. Moore, Tim [R-NC-14]
Tim
Moore
R
NC
14
2025-07-16
False
- S000250
Rep. Sessions, Pete [R-TX-17]
Pete
Sessions
R
TX
17
2025-09-16
False
- L000599
Rep. Lawler, Michael [R-NY-17]
Michael
Lawler
R
NY
17
2025-10-06
False
Finance and Financial Sector
Finance and Financial Sector
2025-05-07T13:06:40Z
00
2025-02-27
Introduced in House
2025-12-16T20:19:30Z
Rectifying Undefined Descriptions of Abusive Acts and Practices Act or the Rectifying UDAAP Act
This bill restricts the Consumer Financial Protection Bureau’s (CFPB’s) authority to deem a financial act or practice abusive for purposes of enforcement activities. Currently, the CFPB may take enforcement action against a financial product or service provider in connection with any transaction with a consumer for a consumer financial product or service that is unfair, deceptive, or abusive.
Specifically, the bill prohibits the CFPB from including discrimination as an abusive practice. Further, the bill revises what an abusive practice is, including by additionally requiring the practice to intentionally interfere with the ability of a consumer to understand a term or condition.
The bill also establishes additional criteria for abusive practices. Particularly, a practice is considered abusive if (1) it causes or is likely to cause substantial injury to consumers that is not reasonably avoidable by consumers, where timely disclosed conduct is presumed to be reasonably avoidable; or (2) the substantial injury is not outweighed by countervailing benefits to consumers or to competition.
The bill also eliminates the CFPB’s ability to seek monetary relief for unfair, deceptive, or abusive practices if the provider establishes a good faith effort to comply with requirements.
The bill establishes rulemaking requirements, including requiring a cost-benefit analysis for a rule relating to unfair, deceptive, or abusive practices.
Finally, the bill establishes the right for providers to cure violations if they self-report and limits the CFPB’s use of alternative claims in court.

Rectifying UDAAP Act
- Display Title
45

Rectifying UDAAP Act
2025-07-17T11:33:21Z
- Short Title(s) as Introduced
101

Rectifying UDAAP Act
2025-03-20T09:23:19Z
Introduced in House
IH
- Short Title(s) as Introduced
101

Rectifying Undefined Descriptions of Abusive Acts and Practices Act
2025-03-20T09:23:19Z
Introduced in House
IH
- Official Title as Introduced
6

To amend the Consumer Financial Protection Act of 2010 to clarify standards for UDAAP enforcement actions brought by the Bureau of Consumer Financial Protection, and for other purposes.
2025-03-20T09:18:25Z
Introduced in House
IH
- Introduced in House
2025-02-27T05:00:00Z
  - https://www.govinfo.gov/content/pkg/BILLS-119hr1652ih/xml/BILLS-119hr1652ih.xml
2025-02-27
Referred to the House Committee on Financial Services.
text/xml
EN
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