3.0.0 128 2026-05-27T14:28:13Z 2026-05-27T14:28:13Z Senate S SJRES 2026-03-17 119 https://www.congress.gov/bill/119th-congress/senate-joint-resolution/128 ssbk00 Banking, Housing, and Urban Affairs Committee Senate Standing Discharged From 2026-04-27T22:24:08Z Referred To 2026-03-17T23:01:20Z 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". 119 185 HJRES 2026-05-13 Referred to the House Committee on Financial Services. Identical bill CRS 2026-05-13 Senate Motion to proceed to consideration of measure rejected in Senate by Voice Vote. (consideration: CR S2270-2271) Floor 2026-04-27 Senate Placed on Senate Legislative Calendar under General Orders. Calendar No. 384. Calendars 2026-04-27 ssbk00 Banking, Housing, and Urban Affairs Committee Senate Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c). Discharge 2026-04-27 Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c). Committee 14500 9 Library of Congress ssbk00 Banking, Housing, and Urban Affairs Committee 2026-03-17 ssbk00 Banking, Housing, and Urban Affairs Committee Senate Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. IntroReferral 2026-03-17 Introduced in Senate IntroReferral 10000 9 Library of Congress C001113 Sen. Cortez Masto, Catherine [D-NV] Catherine Cortez Masto D NV N Finance and Financial Sector Administrative law and regulatory procedures 2026-05-19T18:39:36Z Congressional oversight 2026-05-19T18:39:36Z Consumer Financial Protection Bureau 2026-05-19T18:39:36Z Consumer affairs 2026-05-19T18:40:02Z Contracts and agency 2026-05-19T18:39:43Z Finance and Financial Sector 2026-03-23T20:50:01Z 00 2026-03-17 Introduced in Senate 2026-04-22T15:15:55Z This joint resolution reinstates the Consumer Financial Protection Bureau’s (CFPB’s) guidance on unlawful and unenforceable contract terms published in a June 2024 circular. The circular states that consumer financial service providers that include unlawful or unenforceable terms in contracts with consumers (such as a contract that contains an unlawful waiver of the consumer’s right to sue) may be in violation of the Consumer Financial Protection Act's ban on deceptive acts or practices.

The CFPB withdrew this circular on May 12, 2025. This joint resolution disapproves of the rule that withdraws this circular.

]]> 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 "Consumer Financial Protection Circular 2024-03: Unlawful and Unenforceable Contract Terms and Conditions". Official Title as Introduced 6 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 "Consumer Financial Protection Circular 2024-03: Unlawful and Unenforceable Contract Terms and Conditions". 2026-03-19T03:18:50Z Introduced in Senate IS Display Title 45 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 "Consumer Financial Protection Circular 2024-03: Unlawful and Unenforceable Contract Terms and Conditions". 2026-03-18T10:56:19Z Placed on Calendar Senate 2026-04-27T04:00:00Z https://www.govinfo.gov/content/pkg/BILLS-119sjres128pcs/xml/BILLS-119sjres128pcs.xml Introduced in Senate 2026-03-17T04:00:00Z https://www.govinfo.gov/content/pkg/BILLS-119sjres128is/xml/BILLS-119sjres128is.xml 2026-05-13 Motion to proceed to consideration of measure rejected in Senate by Voice Vote. (consideration: CR S2270-2271) text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. Congressional Research Service, Library of Congress This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.