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SJRES 146
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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 "Application of Regulation Z's Ability-To-Repay Rule to Certain Situations Involving Successors-In-Interest".

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

Latest action (Mar 25, 2026) Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Referred to
Banking, Housing, and Urban Affairs Committee
Policy area
Finance and Financial Sector
Issues
Economy & Taxes

Summary
  • Congress disapproves the Bureau of Consumer Financial Protection's rule that withdrew a 2014 rule on mortgage lender responsibilities to borrowers.
  • The disapproved withdrawal rule, published in May 2025, would have no legal force or effect.
  • The original 2014 mortgage lending rule relating to the ability-to-repay requirement would remain 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 (2)
  1. Mar 25, 2026 Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. · senate
  2. Mar 25, 2026 Introduced in Senate

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.

  • 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 87%
  • 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 83%
  • 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 81%
  • 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 81%
  • HJRES 162 — 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 · Cong. 119 79%
  • SJRES 128 — 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". · Introduced May 13, 2026 · Cong. 119 79%

Full text

IN THE SENATE OF THE UNITED STATES

March 25, 2026

Mr. Schiff introduced the following joint resolution; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs

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”.

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 “Application of Regulation Z’s Ability-To-Repay Rule to Certain Situations Involving Successors- In-Interest (79 Fed. Reg. 41631 (July 17, 2014))” (90 Fed. Reg. 20084 (May 12, 2025)), and such rule shall have no force or effect. <all>

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