Emanuel Cleaver (D-MO)
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 "Truth in Lending (Regulation Z); Consumer Protections for Home Sales Financed Under Contracts for Deed".
A Democratic resolution with no cosponsors
Last activity — Referred to the House Committee on Financial Services.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
This joint resolution aims to express congressional disapproval of a rule submitted by the Bureau of Consumer Financial Protection. The rule in question involves the withdrawal of a previous rule regarding "Truth in Lending (Regulation Z); Consumer Protections for Home Sales Financed Under Contracts for Deed." If this resolution passes, the rule submitted by the Bureau shall have no force or effect.
Yes
- Scored +4
Would business owners be better off under this?
The disapproval of the rule reduces regulatory requirements for businesses engaged in contract-for-deed home sales.
The opposite· 3 of 5
- Scored -5
Does this give people more protection from unfair business practices?
The resolution disapproves a rule intended to provide consumer protections for home sales financed under contracts for deed, thereby removing those protections.
- Scored -3
Would households on low incomes be better off under this?
The removal of consumer protections for contract-for-deed arrangements primarily affects lower-income buyers who rely on such financing methods.
- Scored -2
Does this make housing cost less?
By nullifying protections for those using contracts for deed, the resolution may negatively impact the stability and affordability of home ownership for certain buyers.
Who it would affect, and how
Potential Positive Impacts for People
- The text does not provide specific details regarding the contents of the original consumer protection rule or the impacts of its withdrawal, so no specific positive outcomes for people can be identified from the provided text.
Potential Negative Impacts for People
- The text does not provide specific details regarding the contents of the original consumer protection rule or the impacts of its withdrawal, so no specific negative outcomes or burdens for people can be identified from the provided text.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Economy And Finance
- Does this give people more protection from unfair business practices? — The resolution disapproves a rule intended to provide consumer protections for home sales financed under contracts for deed, thereby removing those protections.
- Social Issues And Justice
- Does this make housing cost less? — By nullifying protections for those using contracts for deed, the resolution may negatively impact the stability and affordability of home ownership for certain buyers.
- Demographic And Interest Groups
- Would business owners be better off under this? — The disapproval of the rule reduces regulatory requirements for businesses engaged in contract-for-deed home sales. Would households on low incomes be better off under this? — The removal of consumer protections for contract-for-deed arrangements primarily affects lower-income buyers who rely on such financing methods. Would people in cities be better off under this? — The loss of consumer protections for home sales financing may disproportionately impact urban residents who utilize non-traditional home financing.
- Governance And Ideology
- Does this give the federal government more power? — The resolution uses congressional authority to overturn a rule issued by a federal regulatory agency.
- 4/30/2026
- Referred to the House Committee on Financial Services.
- Introduced in House
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.