Legislation

We fight to improve the laws that protect low-income consumers. Visit Congress.gov for the status of a federal bill or to contact a member by phone or email (or call the Capitol Switchboard at (202) 224-3121). You can find out who your U.S. representative is here, and Members’ Twitter handles are here.

Note: For more materials on a particular subject area, visit Our Work page.

Federal Legislation

119th Congress (2025-2026)

Banking, Payments & Remittances

• S. 710 (Durbin), Crypto ATM Fraud Prevention Act of 2025. Support.
• H.J. Res 59 (Hill) / S.J. Res 18 (Scott), CRA Resolution Disapproving CFPB Overdraft Lending Rule. Opposition letter.
• H.J. Res. 64 (Flood) / S.J. Res. 28 (Ricketts), A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to “Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications”. Opposition letter.
• S. 875 (Scott), Financial Integrity and Regulation Management Act or the “FIRM Act”. Oppose.
• S. 1582 (Hagerty), ‘‘Guiding and Establishing National Innovation for U.S. Stablecoins of 2025’’ or the ‘‘GENIUS Act of 2025″. Opposition letter.
• H.R. 3633 (Hill), Digital Asset Market Clarity Act of 2025 (CLARITY Act ). Opposition letter.

Consumer Protection Regulation

• Letter opposing several anti-CFPB bills:
  • H.R. 941 (Hill), the Small Lenders Exempt from New Data and Excessive Reporting (LENDER) Act
  •  H.R. 654 (Barr), the Taking Account of Bureaucrats’ Spending (TABS) Act of 2025
  • H.R. 3445 (Huizenga), the Consumer Financial Protection Commission Act
  • H.R. 2885 (Rose), the Bank Loan Privacy Act
  • H.R. 2513 (Meuser), the CFPB–IG Reform Act of 2025
  • H.R. 2183 (Emmer), the CFPB Dual Mandate and Economic Analysis Act
  • H.R. 2331 (Loudermilk), the Transparency in CFPB Cost-Benefit Analysis Act
  • H.R. 1606 (Fitzgerald), the Making the CFPB Accountable to Small Businesses Act of 2025
  • H.R. 1652 (Barr), the Rectifying UDAAP Act
  • H.R. 1653 (Barr), the Civil Investigative Demand Reform Act of 2025
  • The Business of Insurance Regulatory Reform Act of 2025 (Steil)
  • H.R. 3213 (Fitzgerald), the Restoring Court Authority Over Litigation Act of 2025
  • The Credit Access and Inclusion Act (Kim)
  • The Small Dollar Loan Certainty Act (Kim)
  • H.R. 3141 (Downing), the CFPB Budget Integrity Act
  • H.R. __, a bill to require the Federal financial institutions regulatory agencies to jointly review the cumulative impact of regulations issued by such agencies, and for other purposes
  • H.R. __, a bill to amend the Consumer Financial Protection Act of 2010 to require the attestation of certain information as part of the consumer complaint submission process, and for other purposes
  • H.R. __, a bill to amend the Consumer Financial Protection Act of 2010 to provide procedures for guidance issued by the Bureau of Consumer Financial Protection, and for other purposes
  • H.R. __, a bill to amend the Consumer Financial Protection Act of 2010 to direct civil penalties to victims and transfer excess funds to the Treasury, and for other purposes
  • A bill to amend the Consumer Financial Protection Act of 2010 to eliminate the market monitoring functions of the Bureau of Consumer Financial Protection, and for other purposes
  • H.R. __, a bill to amend the Consumer Financial Protection Act of 2010 to revise the structure and maximum amounts of civil monetary penalties, and to provide incentives for the self-reporting of violations
  • H.R. __, a bill to amend the Fair Credit Reporting Act to require resellers of information contained in consumer reports to follow reasonable procedures to assure maximum possible accuracy of such information before transmitting such information, and for other purposes (Lawler)
  • H.R. __, a bill to amend the civil liability requirements under the Fair Credit Reporting Act to include requirements relating to class actions, and for other purposes (Loudermilk)
  • H.R. __, a bill to require the Secretary of the Treasury to submit a report that contains a list of unused authorities in the Dodd-Frank Wall Street Reform and Consumer Protection Act and in the amendments made by such Act, and for other purposes
  • H.R. __, a bill to repeal unused authority of the Securities and Exchange Commission related to restricting certain mandatory pre-dispute arbitration, and for other purposes
• H.R. 77 (Biggs), Midnight Rules Relief Act. Oppose.
• H.R. 654 (Barr), To change the Bureau of Consumer Financial Protection into an independent agency named the Consumer Financial Empowerment Agency, to transition the Agency to the regular appropriations process, and for other purposes. Oppose.
• H.R. 2513 (Meuser), CFPB–Inspector General (IG) Reform Act of 2025. Oppose.
• H.R. 2183 (Emmer), The CFPB Dual Mandate and Economic Analysis Act. Oppose.
• H.R. 2331 (Loudermilk), The Transparency in CFPB Cost-Benefit Analysis Act. Oppose.
• H.R. 1606 (Fitzgerald), The Making the CFPB Accountable to Small Business Act of 2025. Oppose.
• H.R. 1652 (Barr), The Rectifying UDAAP Act of 2025. Oppose.
• H.R. 142 (Cammack) / S. 485 (Paul), Regulations from the Executive in Need of Scrutiny Act (REINS Act). Opposition letter.
• H.R. 2441 (Huizenga), Improving Disclosure for Investors Act of 2025. Concerns letter.
• S. 1923 (Kennedy), CFPB Pay Fairnes Act of 2025. Oppose.
• H.R. 3445 (Huizenga), Bureau of Consumer Financial Protection Commission Act. Oppose.
• H.R. 1653 (Barr), the Civil Investigative Demand Reform Act of 2025. Opposition letter.

Credit Reporting & Data Fairness

• H.R. 306 (McBride), End Scam Credit Repair Act. Support.
• H.R. 1101 (Stevens), The Taxpayer Data Protection Act. Support.
• S. 1465 (Scott), Credit Access and Inclusion Act. Opposition letter.

Debt & Bankruptcy

• H.J. Res. 74 (Norman) / S.J. Res. 36 (Rounds), a resolution disapproving the CFPB’s medical debt credit reporting rule. Opposition letter.
• H.R. 3213 (Fitzgerald), Restoring Court Authority Over Litigation Act of 2025. Opposition issue brief.

Disasters & Pandemics

• H.R. 1607 (Fletcher), Heirs Empowerment and Inheritance Rights Act of 2025 (HEIR Act of 2025). Support.

Energy, Utilities & Telecommunications

• H.R. 2413 (Casten) / S. 1178 (Bennet), Getting Renewable and Energy Efficient Neighborhoods (GREEN) Appraisals Act. Support.
• H.R. 2486 (Ansari) / S. 1214 (Markey), Heating and Cooling Relief Act. Support.
• H.R. 1355 (Tonko (D-NY-20), Lawler (R-NY-17), Kaptur (D-OH-9), Riley (D-NY-19), Moylan (R-GU-at large), Mullin (D-CA-15), Fitzpatrick (R-PA-1), Nunn (R-IA-3), Sanford (D-GA-2)), Weatherization Enhancement and Readiness Act of 2025. Support.
• S. 1342 (Reed (D-RI), Collins (R-ME), Shaheen (D-NH), Coons (D-DE)), Weatherization Assistance Program Improvements Act of 2025. Support.
• H.R. 3131 (Thompson), Community Services Block Grant Improvement Act of 2025. Support.
• H.R. 1355 (Tonko), Weatherization Enhancement and Readiness Act of 2025. Support.

Equity & Racial Justice

• H.R. 1640 (Williams), Heirs Estate Inheritance Resolution and Succession Act of 2025 (HEIRS Act of 2025). Support.

High-Cost Credit

• H.R. 1658 (Bonamici) / S. 780 (Merkley), Stopping Abuse and Fraud in Electronic Lending Act of 2025 (‘‘SAFE Lending Act”). Support.

Homeownership & Foreclosure

• H.R. 1042 (Bonamici), Project Turnkey Act. Support.
• S. 788 (Merkley) / H.R. 1745 (Smith), The HOPE (Humans Over Private Equity) Act. Support.
• S. 934 (Warren) / H.R. 2038 (Cleaver), American Housing and Economic Mobility Act. Support.
• S. 1194 (Shaheen) / H.R. 2461 (Pettersen), Manufactured Housing Tenant’s Bill of Rights Act of 2025. Support.
• ME L.D. 1901 (Bell), An Act to Regulate Shared Appreciation Agreements Relating to Residential Property. Support testimony.

Student Loans

• S. 1220 (Merkley), Savings Opportunity and Affordable Repayment (SOAR) Act. Support.

Legislative Archive

What States Can Do

State Model Laws