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 "Disclosure of Consumer Complaint Data".

119th Congress Introduced by Elizabeth Warren

The bill uses congressional disapproval to nullify the CFPB’s withdrawal of the 2013 Disclosure of Consumer Complaint Data rule, keeping the rule in effect.

Introduced in Senate

What the bill does

SJRES 179 is a joint resolution that provides for congressional disapproval under the statutory mechanism in chapter 8 of title 5, United States Code (the joint resolution procedure used to block agency rules).

The resolution disapproves a specific Bureau of Consumer Financial Protection (CFPB) rule action: the withdrawal of the rule concerning “Disclosure of Consumer Complaint Data.”

If enacted, the bill would render the CFPB’s withdrawal of that rule null and void, giving the effect that the withdrawn rule would remain in place or, more precisely, that the agency cannot implement the withdrawal and must maintain the original rule (as cited: the 2013 rule on disclosure of consumer complaint data).

Background and context

Original rule: 78 Fed. Reg. 21218 (April 10, 2013) – Disclosure of Consumer Complaint Data, issued by the CFPB.

Withdrawn rule: 90 Fed. Reg. 20084 (May 12, 2025) – the CFPB’s withdrawal of the 2013 rule.

The joint resolution relies on the congressional disapproval procedure to nullify the agency’s withdrawal action, effectively reinstating or preserving the status of the 2013 rule and preventing alteration of that rule through withdrawal.

Main provisions (as stated in the bill text)

The Senate and House disapprove the CFPB’s rule withdrawing the 2013 Disclosure of Consumer Complaint Data rule.

The rule identified is:

Disclosure of Consumer Complaint Data (original rule: 2013)
Withdrawal action (2025) cited as: 90 Fed. Reg. 20084 (May 12, 2025)

The resolution states: “such rule shall have no force or effect.” In practical terms, the withdrawal would be nullified, and the existing rule would remain applicable.

Who is affected

The CFPB and its regulatory actions related to consumer complaint data disclosures.

Entities that rely on or are subject to the 2013 rule’s requirements for disclosing consumer complaint data (e.g., financial institutions, consumer reporting, and data aggregators) would be affected to the extent the rule remains in force.

Consumers and public access to complaint data may be impacted by the reinstatement of disclosure requirements.

Procedural and timeline aspects

Introduced in the Senate by Ms. Elizabeth Warren and referred to the Committee on Banking, Housing, and Urban Affairs.

Date of introduction: April 13, 2026.

The bill uses the congressional disapproval process (Chapter 8 of Title 5) to block the agency action and ensure the withdrawn rule has no legal effect.

Action history indicates two primary steps: read twice and referral to committee; no further actions listed as of the provided text.

Key takeaways

Purpose: Prevent the CFPB withdrawal of the 2013 Disclosure of Consumer Complaint Data rule; keep the rule in effect.

Mechanism: Congressional disapproval under Chapter 8 of Title 5.

Impact: Reinstatement of the 2013 rule’s requirements; withdrawal action deemed ineffective.

Status: Introduced and referred to committee; no final passage information provided in the summary.

Bill