This resolution would cancel the Consumer Financial Protection Bureau's decision to withdraw its 2024 guidance, putting back in place the Bureau's warning that including illegal or unenforceable terms in consumer financial contracts can count as a deceptive practice.
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.
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