Allows Pay-to-Pay Fees for Debt Payments

Official: 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 "Debt Collection Practices (Regulation F); Pay-to-Pay Fees".

IntroducedMarch 17, 2026

Finance and Financial SectorAdministrative law and regulatory proceduresCongressional oversightConsumer Financial Protection BureauDebt collection

Why This Matters

This resolution nullifies a rule that protects consumers from paying extra fees when making debt payments online or by phone.

If you have debt, this resolution allows debt collectors to charge you extra fees for making payments online or by phone.

Affects: This resolution affects consumers who have debts and make payments to debt collectors.

Summary

Limiting Emergency Powers Act of 2025This bill terminates any national emergency declared by the President 30 days after the declaration unless a joint resolution affirming the declaration is enacted. All national emergency declarations expire after two years unless the President requests a renewal and a joint resolution affirming the renewal is enacted.

What does this resolution do?

1. This resolution removes protections against pay-to-pay fees charged by debt collectors. 2. Debt collectors can impose fees for online or phone payments, even if not agreed upon in the original contract. 3. Consumers may face higher costs when making payments on debts due to these fees. 4. This disapproval affects all individuals who have debts and make payments through various methods. 5. The resolution could lead to confusion about what fees are legally allowed in debt collection.

Who is affected?

This resolution affects consumers who have debts and make payments to debt collectors.