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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 2024-03: Unlawful and Unenforceable Contract Terms and Conditions".

4/28/2026, 10:56 AM

Summary of Bill SJRES 128

This joint resolution introduced in the 119th Congress as S.J. Res. 128 aims to provide for congressional disapproval of a rule submitted by the Bureau of Consumer Financial Protection regarding the withdrawal of the rule concerning "Consumer Financial Protection Circular 2024-03: Unlawful and Unenforceable Contract Terms and Conditions."

Congressional Summary of SJRES 128

This joint resolution reinstates the Consumer Financial Protection Bureau’s (CFPB’s) guidance on unlawful and unenforceable contract terms published in a June 2024 circular. The circular states that consumer financial service providers that include unlawful or unenforceable terms in contracts with consumers (such as a contract that contains an unlawful waiver of the consumer’s right to sue) may be in violation of the Consumer Financial Protection Act's ban on deceptive acts or practices.

The CFPB withdrew this circular on May 12, 2025. This joint resolution disapproves of the rule that withdraws this circular.

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Current Status of Bill SJRES 128

Bill SJRES 128 is currently in the status of Bill Introduced since March 17, 2026. Bill SJRES 128 was introduced during Congress 119 and was introduced to the Senate on March 17, 2026.  Bill SJRES 128's most recent activity was Placed on Senate Legislative Calendar under General Orders. Calendar No. 384. as of April 27, 2026

Bipartisan Support of Bill SJRES 128

Total Number of Sponsors
1
Democrat Sponsors
1
Republican Sponsors
0
Unaffiliated Sponsors
0
Total Number of Cosponsors
0
Democrat Cosponsors
0
Republican Cosponsors
0
Unaffiliated Cosponsors
0

Policy Area and Potential Impact of Bill SJRES 128

Primary Policy Focus

Finance and Financial Sector

Alternate Title(s) of Bill SJRES 128

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 2024-03: Unlawful and Unenforceable Contract Terms and Conditions".
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 2024-03: Unlawful and Unenforceable Contract Terms and Conditions".

Comments

Ava Kane profile image

Ava Kane

827

1 month ago

Why they do this? How it hurt us? Who this help? #confused #SJRESBill128

Sponsors and Cosponsors of SJRES 128

Catherine Cortez Masto
Catherine Cortez Masto
NevadaDemocrat

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