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HR 1651 109th Congress House

Consumer Rental Purchase Agreement Act

Official title: To amend the Consumer Credit Protection Act to assure meaningful disclosures of the terms of rental-purchase agreements, including disclosures of all costs to … Show full official titleShow less

Official title: To amend the Consumer Credit Protection Act to assure meaningful disclosures of the terms of rental-purchase agreements, including disclosures of all costs to consumers under such agreements, to provide certain substantive rights to consumers under such agreements, and for other purposes.

Introduced: April 21, 2005 See on congress.gov
Commerce Administrative procedureAdvertisingBusiness recordsCivil actions and liability
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Consumer creditConsumer educationConsumer protectionContractsCrime and Law EnforcementCriminal liabilityDamagesDeceptive advertisingDistrict courtsEvidence (Law)Federal Reserve SystemFederal Trade CommissionFederal preemptionFeesFinance and Financial SectorFinancial statementsFines (Penalties)FraudGarnishmentGovernment Operations and PoliticsGovernment liabilityGovernment paperworkIndependent regulatory commissionsInjunctionsInsurance premiumsLabelingLabor and EmploymentLawLease and rental servicesLeasesLiability (Law)Liability insuranceLimitation of actionsMaintenance and repairNegotiable instrumentsParties to actionsPricesProperty insuranceRentRestrictive trade practicesSmall businessState lawsSurety and fidelityTaxationWarranties
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This bill died when the 109th Congress ended
It never became law before the 109th Congress (2005–2006) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
May 19, 2005
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Apr 14, 2005
Referred to the House Committee on Financial Services.
Apr 14, 2005
Introduced in House
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 Latest action May 19, 2005

Referred to the Subcommittee on Financial Institutions and Consumer Credit.

 Plain-English summary Congressional Research Service

Consumer Rental Purchase Agreement Act - Amends the Consumer Credit Protection Act to prescribe consumer protection guidelines for rental-purchase transactions, including: (1) the determination of rental-purchase cost; (2) disclosure requirements; (3) prohibitions against confessions of judgment, wage assignments, and waiver of consumer claims or defenses; (4) furnishing of statements of account; (5) point-of-rental disclosures; and (6) rental-purchase advertising disclosures.

Establishes civil and criminal liability for violations of this Act.

Grants enforcement powers to the Federal Trade Commission and to state attorneys general.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
 Cosponsors 7
All 7 Democratic 1 Republican 3
WAMP, ZACH
· Sep 7, 2005
TIAHRT, TODD
· Jul 28, 2005
 R
Graves, Sam
Missouri · May 19, 2005
 R
Moran, Jerry
Kansas · May 19, 2005
 D
Cuellar, Henry
Texas · Apr 28, 2005
 R
Sessions, Pete
Texas · Apr 21, 2005
KANJORSKI, PAUL
· Apr 14, 2005
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 1651: Consumer Rental Purchase Agreement Act. 109th Congress. Open America. https://openamerica.io/bill/109-HR-1651/
MLA
"H.R. 1651: Consumer Rental Purchase Agreement Act." 109th Congress, 2026, Open America, https://openamerica.io/bill/109-HR-1651/.
Bluebook (legal)
H.R. 1651, 109th Cong. (2026), https://openamerica.io/bill/109-HR-1651/.
Markdown link
[H.R. 1651: Consumer Rental Purchase Agreement Act](https://openamerica.io/bill/109-HR-1651/)
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