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 "Bulletin 2015-07 re: in-person collection of consumer debt".
- Bill Number
- H.J.Res. 166
- Origin Chamber
- House
- Congress
- 119th Congress, Session 2
- Policy Area
- Finance and Financial Sector
- Status
- Introduced
- Latest Action
- 2026-04-30: Referred to the House Committee on Financial Services.
- Last Updated
- 2026-05-15T18:58:18Z
AI-Generated Summary
Purpose This joint resolution uses the Congressional Review Act to block a rule from the Bureau of Consumer Financial Protection (CFPB). The goal is to stop the agency from withdrawing its earlier guidance on how debt collectors may gather consumer debts in person.
Key provisions
- Congress formally disapproves the CFPB rule titled “withdrawal of the rule relating to ‘Bulletin 2015-07 re: in-person collection of consumer debt (December 16, 2015)’” that appeared in the Federal Register on May 12, 2025.
- The disapproved rule is given no legal force or effect.
Significant changes to existing law The resolution applies the Congressional Review Act (chapter 8 of title 5, United States Code) to nullify an agency action. It prevents the CFPB from removing the 2015 bulletin that addressed in-person debt collection practices.
Potential impacts
- Government agencies: Restricts the CFPB’s ability to rescind its own prior guidance on debt collection.
- Citizens: May keep in place the standards set by the 2015 bulletin, affecting how debt collectors interact with consumers during in-person visits.
- No direct effects on international relations are stated.
Main stakeholders affected
- The Bureau of Consumer Financial Protection (CFPB)
- Consumers who owe debts
- Debt collection companies and other financial service providers
Notable legal, constitutional, or political implications The measure relies on the Congressional Review Act, a statutory process that lets Congress overturn certain agency rules through a joint resolution. This action demonstrates Congress exercising oversight over executive-branch regulatory decisions.
This summary was generated by AI and may contain inaccuracies. Refer to the official source document for the authoritative text.
Sponsor
Rep. Pettersen, Brittany [D-CO-7]
Recent Actions
- 2026-04-30: Referred to the House Committee on Financial Services.
- 2026-04-30: Introduced in House
- 2026-04-30: Introduced in House
Bill Versions
- 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 "Bulletin 2015–07 re: in-person collection of consumer debt". — issued 2026-04-30 — PDF (2 pages)