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".
The summary
What this bill does
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.
Legislative timeline
From introduction
Mar 17, 2026
Introduced & referred to committee
Congressional support
Sponsors & Cosponsors
U.S. Representative - NV · D-NV
Roll-call vote
The vote, by member
The vote, by member
VERSION CHANGES
What changed,
and where.
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Bill Metadata
| Congress | 119 |
| Bill Type | SJRES |
| Bill Number | 128 |
| Origin Chamber | Senate |
| Current Status | Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. |
| Policy Area | Finance and Financial Sector |
| Primary Committee | Not assigned |
| Introduced | March 17, 2026 |
| Latest Action | April 27, 2026 |
| Cosponsors | 0 · House vote — · 1 views |