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".

Kirsten E. Gillibrand

Democrat · NY · Senator

Source: Congress.gov · FEC

No cosponsors on record. Bills can pass without cosponsors — this often means the sponsor introduced the bill alone, either because it's a messaging bill, a chairman's mark, or simply early in the legislative cycle.

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

2026-04-13

Source: Congress.gov

Congress is voting on whether to reject a Consumer Financial Protection Bureau rule that would have withdrawn protections against deceptive "negative option" marketing—the practice where companies automatically charge customers for subscriptions or services after a free trial without clear consent. If approved, this resolution would block the agency from removing those consumer protections, keeping rules in place that require companies to make cancellation easy and get explicit permission before charging customers. This affects anyone who uses free trials or subscription services online.

AI-assisted summary generated from the official bill metadata (title, subjects, actions) sourced from Congress.gov. Cached and reviewed. Always verify against the official text linked below.

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [S.J. Res. 160 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. J. RES. 160 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''. _______________________________________________________________________ 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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