SJRES160Referred to Committee

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".

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Introduced
In Committee
3
Passed One Chamber
4
Passed Both
5
Signed into Law
119th
Congress
2026-04-13
Introduced
0
Cosponsors
SJRES
ⓘ
Type

Sponsor

Kirsten E. Gillibrand
Kirsten E. Gillibrand
Democrat · NY · Senator
Votes with party: 82.3% (843 recorded votes)

Full profile: /officials/G000555

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

The most recent step in the bill's legislative path. Committee Activity below shows referrals and reports; the full action-by-action history including floor proceedings lives at Congress.gov →

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

2026-04-13

Source: Congress.gov

Committee Activity

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Plain-English Summary

Congress is voting on whether to reject a Consumer Financial Protection Bureau rule that would have withdrawn protections against deceptive "negative option" marketing—the practice where companies automatically charge customers for subscriptions or services after a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.

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] [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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