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Bill

HJRES 166

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".

119th Congress Introduced by Brittany Pettersen

A joint resolution would block the Bureau of Consumer Financial Protection’s withdrawal of the Bulletin 2015-07 in-person debt collection rule, restoring the withdrawn rule.

Introduced in House
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Bill Summary · HJRES 166

Summary of HJRES 166 (119th Congress)

Title and Purpose

  • Official Title: 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.”
  • Purpose: To use the Congressional Joint Resolution process to disapprove a Bureau of Consumer Financial Protection (BCFP, formerly CFPB) rule. Specifically, the bill targets the BCFP’s action to withdraw a previously issued rule concerning in-person debt collection, as described in Bulletin 2015-07.

Core Mechanism

  • The bill invokes the Congressional disapproval process under the small disapproval rule framework (chapter 8 of title 5, United States Code). If enacted, it would nullify the Bureau’s withdrawal action, effectively reinstating the previously withdrawn rule or blocking the withdrawal.

Key Provisions and Changes Proposed

  • Disapproval of the Bureau’s withdrawal: The bill seeks a joint resolution of disapproval that, if enacted, prevents the Bureau from withdrawing the specific rule tied to Bulletin 2015-07 on in-person collection of consumer debt.
  • Legislative treatment: The measure uses the formal congressional action to overturn an executive-branch regulatory action, bypassing typical administrative rulemaking processes and imposing a legislative check on the Bureau’s decision.

Who and What Is Affected

  • Agency involved: Bureau of Consumer Financial Protection (BCFP).
  • Rule in question: The withdrawal of the rule associated with Bulletin 2015-07, which concerns in-person debt collection practices.
  • Stakeholders potentially affected by the outcome:
    • Debt collectors and collection industry entities operating under or impacted by the Bulletin 2015-07 framework.
    • Consumers facing debt collection, including protections or restrictions tied to in-person collection activities.
    • Financial services and compliance professionals who must adhere to BCFP rules.

Procedural and Timeline Aspects

  • Introduced: 2026-04-30.
  • Referred to Committee: House Committee on Financial Services (same day).
  • The bill follows the Congressional Review Act (CRA) disapproval process pathway, which, if passed by both chambers and signed by the President (or enacted under a joint resolution without signature via veto-proof status in certain situations, depending on time and procedural rules), would block the Bureau’s withdrawal action.

Context and Implications

  • The measure is part of the broader congressional use of the CRA to address federal agency rules or deregulatory actions.
  • If the bill advances and is enacted, it would:
    • Maintain or restore the status quo regarding the in-person debt collection rule framework associated with Bulletin 2015-07.
    • Represent a legislative check on the Bureau’s discretionary withdrawal of a rule.
  • If the bill fails, the Bureau’s withdrawal of the rule would stand, continuing the regulatory change as initially adopted or as amended by the withdrawal.

If you’d like, I can add background on Bulletin 2015-07 and the standard CRA disapproval process, or compare this bill to similar CRA disapproval actions in the 118th/earlier Congresses.

Compiled from official sources — confirm details with the bill’s official record.

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