Richard Durbin (D-IL)
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 "Statement of Policy Regarding Prohibition on Abusive Acts or Practices".
A Democratic resolution with no cosponsors
Last activity — Motion to proceed to consideration of measure rejected in Senate by Voice Vote. (consideration: CR S2271-2272)
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 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 the "Statement of Policy Regarding Prohibition on Abusive Acts or Practices." If this resolution passes, the Bureau's rule to withdraw the policy will have no force or effect. The resolution was introduced by Mr. Durbin and has been placed on the calendar.
Yes· 3 of 5
- Scored +5
Does this give people more protection from unfair business practices?
The resolution prevents the withdrawal of the Bureau's policy prohibiting abusive financial acts or practices, thereby maintaining consumer safeguards.
- Scored +4
Would households on low incomes be better off under this?
Protecting against abusive financial practices provides security for households on lower incomes.
- Scored +3
Would middle-income households be better off under this?
The resolution helps ensure financial services follow non-abusive practices which benefits middle-income consumers.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- Maintenance of Existing Policy: By disapproving the withdrawal, the resolution prevents the Bureau of Consumer Financial Protection from removing the "Statement of Policy Regarding Prohibition on Abusive Acts or Practices" (88 Fed. Reg. 21883 (April 12, 2023)). This ensures the original policy remains in place rather than being withdrawn via the rule cited in 90 Fed. Reg. 20084 (May 12, 2025).
Potential Negative Impacts for People
- No negative impacts are explicitly stated in the 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.
- Demographic And Interest Groups
- Would households on low incomes be better off under this? — Protecting against abusive financial practices provides security for households on lower incomes. Would middle-income households be better off under this? — The resolution helps ensure financial services follow non-abusive practices which benefits middle-income consumers. Would people in cities be better off under this? — The maintenance of financial consumer protections provides a layer of economic stability for urban populations.
- Economy And Finance
- Does this give people more protection from unfair business practices? — The resolution prevents the withdrawal of the Bureau's policy prohibiting abusive financial acts or practices, thereby maintaining consumer safeguards.
- Governance And Ideology
- Does this make what the government does easier for the public to see? — The resolution represents a legislative check on the Bureau of Consumer Financial Protection's administrative rulemaking power.
- 5/13/2026
- Motion to proceed to consideration of measure rejected in Senate by Voice Vote. (consideration: CR S2271-2272)
- 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. 395.
- 3/25/2026
- Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (text: CR S1617)
- 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.