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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".
S. J. RES. 128 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''.
Summary
This joint resolution uses the Congressional Review Act to disapprove a rule submitted by the Bureau of Consumer Financial Protection. The rule being disapproved relates to the withdrawal of a previous CFPB guidance circular on unlawful and unenforceable contract terms and conditions. If approved, this resolution would prevent the withdrawal rule from taking effect, effectively keeping the original guidance in place.
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 (5)
- May 13, 2026 Motion to proceed to consideration of measure rejected in Senate by Voice Vote. (consideration: CR S2270-2271) · senate
- Apr 27, 2026 Placed on Senate Legislative Calendar under General Orders. Calendar No. 384. · senate
- Apr 27, 2026 Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c). · senate
- Mar 17, 2026 Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. · senate
- Mar 17, 2026 Introduced in Senate
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Full text
IN THE SENATE OF THE UNITED STATES
March 17, 2026
Ms. Cortez Masto introduced the following joint resolution; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs
April 27, 2026
Committee discharged, by petition, pursuant to 5 U.S.C. 802(c), and placed on the calendar
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”.
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 “Consumer Financial Protection Circular 2024-03: Unlawful and Unenforceable Contract Terms and Conditions (89 Fed. Reg. 51955 (June 21, 2024))” (90 Fed. Reg. 20084 (May 12, 2025)), and such rule shall have no force or effect.
Calendar No. 384
119th CONGRESS
2d Session
S. J. RES. 128
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”.
April 27, 2026
Committee discharged, by petition, pursuant to 5 U.S.C. 802(c), and placed on the calendar
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