Janelle Bynum (D-OR)
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 "Consumer Financial Protection Circular 2023-01: Unlawful Negative Option Marketing Practices".
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 is designed to express congressional disapproval of a specific rule from the Bureau of Consumer Financial Protection. The rule in question involves the withdrawal of a previous rule concerning "Consumer Financial Protection Circular 2023-01: Unlawful Negative Option Marketing Practices." By passing this resolution, Congress aims to ensure that the rule submitted by the Bureau has no force or effect.
Yes· 3 of 4
- Scored +5
Does this give people more protection from unfair business practices?
The resolution prevents the withdrawal of guidance regarding unlawful negative option marketing practices, thereby maintaining consumer protections against such tactics.
- Scored +3
Would households on low incomes be better off under this?
Maintaining protections against negative option marketing helps prevent deceptive financial practices that often target low-income consumers.
- Scored +2
Would people in cities be better off under this?
Protecting against deceptive marketing practices provides a general benefit to all consumers, including those in urban areas.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- The resolution seeks to prevent the withdrawal of the rule regarding "Consumer Financial Protection Circular 2023-01: Unlawful Negative Option Marketing Practices" (as stated in the resolution text). This could be considered positive if the intent is to keep the original circular's guidance on unlawful marketing practices in place.
Potential Negative Impacts for People
- There are no specific negative impacts or burdens for individuals or groups of people explicitly detailed within the provided text of this resolution.
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.
- Demographic And Interest Groups
- Would households on low incomes be better off under this? — Maintaining protections against negative option marketing helps prevent deceptive financial practices that often target low-income consumers. Would people in cities be better off under this? — Protecting against deceptive marketing practices provides a general benefit to all consumers, including those in urban areas.
- Economy And Finance
- Does this give people more protection from unfair business practices? — The resolution prevents the withdrawal of guidance regarding unlawful negative option marketing practices, thereby maintaining consumer protections against such tactics.
- Governance And Ideology
- Does this make what the government does easier for the public to see? — The resolution represents a use of congressional oversight to check the administrative actions of a federal bureau.
- 5/12/2026
- 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.