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HJRES 162
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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 "Truth in Lending (Regulation Z); Consumer Protections for Home Sales Financed Under Contracts for Deed".

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 ``Truth in Lending (Regulation Z); Consumer Protections for Home Sales Financed Under Contracts for Deed''.

Introduced Apr 30, 2026

Latest action (Apr 30, 2026) Referred to the House Committee on Financial Services.

Referred to
Financial Services Committee
Policy area
Finance and Financial Sector
Issues
Housing

Summary

This joint resolution would disapprove a rule submitted by the Consumer Financial Protection Bureau that would withdraw consumer protections for home sales financed under contracts for deed. The original rule, issued under Truth in Lending regulations (Regulation Z) in August 2024, established protections for consumers in contract-for-deed home transactions, and the CFPB proposed to withdraw this rule in May 2025. If passed, this resolution would prevent the withdrawal from taking effect, meaning the consumer protection rule would remain in force. The resolution uses the Congressional Review Act process, which allows Congress to disapprove federal agency rules.

AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.

Sponsor (1)

Actions (2)
  1. Apr 30, 2026 Referred to the House Committee on Financial Services. · house
  2. Apr 30, 2026 Introduced in House

Similar bills (6)

Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.

  • SJRES 149 — 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 "Truth in Lending (Regulation Z); Consumer Protections for Home Sales Financed Under Contracts for Deed". · Introduced May 13, 2026 · Cong. 119 94%
  • SJRES 146 — 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 "Application of Regulation Z's Ability-To-Repay Rule to Certain Situations Involving Successors-In-Interest". · Introduced Mar 25, 2026 · Cong. 119 79%
  • SJRES 134 — 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 "Truth in Lending (Regulation Z); Use of Digital User Accounts to Access Buy Now, Pay Later Loans". · Introduced May 13, 2026 · Cong. 119 79%
  • 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 Apr 30, 2026 · Cong. 119 79%
  • SJRES 156 — 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 "Truth in Lending (Regulation Z); Consumer Credit Offered to Borrowers in Advance of Expected Receipt of Compensation for Work". · Introduced May 13, 2026 · Cong. 119 79%
  • HJRES 184 — 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 "Fair Credit Reporting; File Disclosure". · Introduced May 13, 2026 · Cong. 119 75%

Text versions (1)
  • Introduced in House · Apr 30, 2026

Only one text version is on file, so there’s no earlier version to compare against yet.

Full text

IN THE HOUSE OF REPRESENTATIVES

April 30, 2026

Mr. Cleaver submitted the following joint resolution; which was referred to the Committee on Financial Services

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 “Truth in Lending (Regulation Z); Consumer Protections for Home Sales Financed Under Contracts for Deed”.

Resolved by the Senate and House of Representatives of the United States of America in Congress assembled, That Congress disapproves the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to “Truth in Lending (Regulation Z); Consumer Protections for Home Sales Financed Under Contracts for Deed (89 Fed. Reg. 68086 (August 23, 2024))” (90 Fed. Reg. 20084 (May 12, 2025)), and such rule shall have no force or effect. <all>

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