Kirsten Gillibrand (D-NY)
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 2023-01: Unlawful Negative Option Marketing Practices".
A Democratic resolution with no cosponsors
Last activity — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
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 seeks to provide congressional disapproval of a rule submitted by 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." If this resolution passes, the rule regarding the withdrawal 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 intended to curb unlawful negative option marketing practices.
- Scored +3
Would households on low incomes be better off under this?
Preventing the withdrawal of consumer protection guidance helps shield low-income households from deceptive marketing practices.
- Scored +3
Would middle-income households be better off under this?
Maintaining protections against negative option marketing helps protect middle-income household finances.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- Maintaining previous consumer protections: By disapproving the withdrawal of the rule, the resolution aims to prevent the removal of the guidance established in "Consumer Financial Protection Circular 2023-01: Unlawful Negative Option Marketing Practices" (88 Fed. Reg. 5727).
Potential Negative Impacts for People
- No specific negative impacts are mentioned: The provided text does not list any negative consequences that would result from the passage 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? — Preventing the withdrawal of consumer protection guidance helps shield low-income households from deceptive marketing practices. Would middle-income households be better off under this? — Maintaining protections against negative option marketing helps protect middle-income household finances. Would people in cities be better off under this? — Maintaining consumer financial protections can benefit urban residents who are frequently targeted by digital marketing schemes.
- Economy And Finance
- Does this give people more protection from unfair business practices? — The resolution prevents the withdrawal of guidance intended to curb unlawful negative option marketing practices.
- Governance And Ideology
- Does this make what the government does easier for the public to see? — The resolution represents an exercise of congressional oversight over agency rulemaking.
- 4/13/2026
- 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.