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SJRES 160
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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 2023-01: Unlawful Negative Option Marketing Practices".

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 2023-01: Unlawful Negative Option Marketing Practices''.

Introduced Apr 13, 2026

Latest action (Apr 13, 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

This joint resolution expresses congressional disapproval of a Bureau of Consumer Financial Protection rule that would withdraw a prior rule on unlawful negative option marketing practices. Negative option marketing involves enrolling consumers in billing programs where they are charged on an ongoing basis, such as with subscription services or recurring charges. The original rule, issued in 2023, was designed to require clear disclosure and obtain affirmative consumer consent for such practices. If this joint resolution is approved by both chambers of Congress, the CFPB's withdrawal of this rule would have no legal effect, and the consumer protection rule would remain in place. The joint resolution uses the Congressional Review Act process, which allows Congress to overturn executive branch regulations.

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 13, 2026 Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. · senate
  2. Apr 13, 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 183 — 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 2023-01: Unlawful Negative Option Marketing Practices". · Introduced May 12, 2026 · Cong. 119 87%
  • 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 81%
  • SJRES 130 — 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 withdrawal of the rule relating to "Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-In Practices". · Introduced May 13, 2026 · Cong. 119 80%
  • SJRES 57 — A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Federal Trade Commission relating to "Negative Option Rule". · Introduced Jun 9, 2025 · Cong. 119 79%
  • HJRES 185 — 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%
  • SJRES 164 — 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 2022-04: Insufficient Data Protection or Security for Sensitive Consumer Information". · Introduced Apr 13, 2026 · Cong. 119 78%

Full text

IN THE SENATE OF THE UNITED STATES

April 13, 2026

Mrs. Gillibrand 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 “Consumer Financial Protection Circular 2023-01: Unlawful Negative Option Marketing Practices”.

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 2023-01: Unlawful Negative Option Marketing Practices (88 Fed. Reg. 5727 (January 30, 2023))” (90 Fed. Reg. 20086 (May 12, 2025)), and such rule shall have no force or effect. <all>

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