S.J.Res. 128

119th Congress

Introduced

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".

Sponsored byDemocrat:Sen. Cortez Masto, Catherine [D-NV]NV· Introduced 17 mars 2026
Open on Congress.gov

0

Cosponsors

6

Actions

0

Amendments

0

Committees

—

Since introduced

Introduced
Committee
Passed Chamber
Passed Both
Enacted
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Latest action

Motion to proceed to consideration of measure rejected in Senate by Voice Vote. (consideration: CR S2270-2271)

13 mai 2026·2 months ago

Summary

Introduced in Senate · Updated 22 avril 2026

This joint resolution reinstates the Consumer Financial Protection Bureau’s (CFPB’s) guidance on unlawful and unenforceable contract terms published in a June 2024 circular. The circular states that consumer financial service providers that include unlawful or unenforceable terms in contracts with consumers (such as a contract that contains an unlawful waiver of the consumer’s right to sue) may be in violation of the Consumer Financial Protection Act's ban on deceptive acts or practices.

The CFPB withdrew this circular on May 12, 2025. This joint resolution disapproves of the rule that withdraws this circular.

Timeline

6 actions

  1. Motion to proceed to consideration of measure rejected in Senate by Voice Vote. (consideration: CR S2270-2271)

    13 mai 2026 · Floor

  2. Placed on Senate Legislative Calendar under General Orders. Calendar No. 384.

    27 avril 2026 · Calendars

  3. Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c).

    27 avril 2026 · Discharge

  4. Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c).

    27 avril 2026 · Committee

  5. Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c).

    27 avril 2026 · Committee

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

    17 mars 2026 · IntroReferral

  7. Introduced in Senate

    17 mars 2026 · IntroReferral

  8. Introduced in Senate

    17 mars 2026 · IntroReferral

Sponsorship

0 cosponsors

Sponsor

Democrat:Sen. Cortez Masto, Catherine [D-NV]NV

Classification

Policy area

Finance and Financial Sector

Legislative subjects

Administrative law and regulatory proceduresCongressional oversightConsumer Financial Protection BureauConsumer affairsContracts and agency
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