HJRES185Referred to Committee

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".

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Introduced
In Committee
3
Passed One Chamber
4
Passed Both
5
Signed into Law
119th
Congress
2026-05-13
Introduced
0
Cosponsors
HJRES
ⓘ
Type

Sponsor

Juan Vargas
Juan Vargas
Democrat · CA · Representative
Votes with party: 97.4% (577 recorded votes)
Top industries funding sponsor:
  • Abortion Rights$1k

Full profile: /officials/V000130

Source: Congress.gov · FEC

Cosponsors (0)

Members who have signed on to support this bill since introduction. Source: Congress.gov.

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.

Latest Action

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Referred to the House Committee on Financial Services.

2026-05-13

Source: Congress.gov

Committee Activity

Currently in

Plain-English Summary

Congress would reject a decision by the Consumer Financial Protection Bureau to withdraw its guidance on illegal and unenforceable contract terms that companies use with consumers. The guidance had warned businesses against using unfair clauses in contracts that take away people's legal rights, such as forcing them into secret arbitration instead of allowing them to sue. If approved, this would force the agency to keep the guidance in place rather than letting it be withdrawn.

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.

Subjects

Finance and Financial Sector

Full Bill Text

Verbatim text published on Congress.gov via GovInfo. Use Cmd+F / Ctrl+F to search within this excerpt.

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.J. Res. 185 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. J. RES. 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''. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES May 13, 2026 Mr. Vargas 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 ``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. <all>
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