Ruben Gallego (D-AZ)
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 "Consumer Financial Protection Circular 2024-02: Deceptive Marketing Practices About the Speed or Cost of Sending a Remittance Transfer".
A Democratic resolution with no cosponsors
Last activity — Motion to proceed to consideration of measure rejected in Senate by Voice Vote. (consideration: CR S2269-2270)
Introduced, nothing more yet
Formally proposed, and not yet handed to a committee.
Nearly every bill is sent to a committee within days. Introduction alone is not a sign of support, of momentum, or of any likelihood of passing — any member may introduce any bill.
Its path through Congress
- Introduced
What this bill would do
This joint resolution aims to provide congressional disapproval of a rule submitted by the Bureau of Consumer Financial Protection. The rule in question relates to the withdrawal of a previous rule regarding "Consumer Financial Protection Circular 2024-02: Deceptive Marketing Practices About the Speed or Cost of Sending a Remittance Transfer." If passed, the resolution dictates that the submitted rule shall have no force or effect.
Yes· 3 of 5
- Scored +5
Does this give people more protection from unfair business practices?
The resolution prevents the withdrawal of guidance meant to stop deceptive marketing regarding the speed and cost of remittance transfers.
- Scored +4
Would households on low incomes be better off under this?
By keeping the circular active, it protects low-income households from deceptive marketing of remittance transfer costs.
- Scored +4
Would Hispanic Americans be better off under this?
The resolution helps protect consumers using remittance services, which are frequently used by Hispanic communities.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- The resolution seeks to disapprove the withdrawal of the rule relating to "Consumer Financial Protection Circular 2024-02: Deceptive Marketing Practices About the Speed or Cost of Sending a Remittance Transfer" (S.J. Res. 131). This action would prevent the Bureau of Consumer Financial Protection from withdrawing its previous guidance on deceptive marketing practices regarding the speed or cost of remittance transfers.
Potential Negative Impacts for People
- There are no specific negative impacts or burdens for individuals or groups of people mentioned 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 Hispanic Americans be better off under this? — The resolution helps protect consumers using remittance services, which are frequently used by Hispanic communities. Would immigrants be better off under this? — The resolution preserves protections against deceptive marketing for remittance transfers often used by immigrants to send money abroad. Would households on low incomes be better off under this? — By keeping the circular active, it protects low-income households from deceptive marketing of remittance transfer costs.
- Economy And Finance
- Does this give people more protection from unfair business practices? — The resolution prevents the withdrawal of guidance meant to stop deceptive marketing regarding the speed and cost of remittance transfers.
- Governance And Ideology
- Does this give the federal government more power? — The resolution maintains the Bureau of Consumer Financial Protection's ability to issue guidance against deceptive practices.
- 5/13/2026
- Motion to proceed to consideration of measure rejected in Senate by Voice Vote. (consideration: CR S2269-2270)
- 4/27/2026
- Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c).
- Placed on Senate Legislative Calendar under General Orders. Calendar No. 387.
- 3/18/2026
- Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Introduced in Senate
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.