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Restores Federal Guidance on Abusive Financial Practices
Recent Bills/Restores Federal Guidance on Abusive Financia...

Restores Federal Guidance on Abusive Financial Practices

IntroducedMarch 25, 2026
In Senate5 months ago
Intro
Senate
House
Pres
The House voted against taking this up.
It stays where it is unless leadership tries again.
Finance and Financial SectorAdministrative law and regulatory proceduresCongressional oversightConsumer Financial Protection BureauConsumer affairs
More:Bills in the SenateEconomyResolutions
Why This Matters

This resolution cancels the Consumer Financial Protection Bureau's 2025 decision to withdraw its guidance on abusive financial practices, which would put that 2023 guidance back in effect if Congress passes it and the President signs it. It does not create a new ban, but restores the Bureau's written roadmap for how regulators identify abusive treatment of customers.

If you use a credit card, payday loan, or bank account, regulators would again have the Bureau's 2023 written examples of tactics, like taking advantage of your confusion about fees or risks, that can count as illegal abuse.
Who this affects
Borrowers and bank customers · Banks and lenders · Debt collectors and loan servicers · State consumer protection enforcers
What does this resolution do?
  1. 1Brings back the Consumer Financial Protection Bureau's April 2023 policy statement, which the Bureau withdrew in May 2025 along with other guidance documents.
  2. 2The 2023 statement explains, with examples, how regulators spot abusive conduct, such as taking unreasonable advantage of customers who misunderstand a product's costs or risks.
  3. 3Under the Congressional Review Act, the Bureau could not withdraw the guidance again in substantially the same way unless Congress later authorized it.
  4. 4The underlying 2010 law banning abusive practices stays the same; only the Bureau's written explanation of how it applies that law is affected.
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Intro
Senate
House
Pres
IntroducedMar 25
Sponsors
See all 1 sponsor
Senate
HouseCurrent

The House voted against taking this up.

It stays where it is unless leadership tries again.

President

The President

Donald Trump
President
Awaiting Vote
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