Skip to main content
H.R. 3193 113th Congress House

Consumer Financial Freedom and Washington Accountability Act

Official title: To amend the Consumer Financial Protection Act of 2010 to strengthen the review authority of the Financial Stability Oversight Council of regulations issued by… Show full official titleShow less

Official title: To amend the Consumer Financial Protection Act of 2010 to strengthen the review authority of the Financial Stability Oversight Council of regulations issued by the Bureau of Consumer Financial Protection, and for other purposes.

Introduced: September 26, 2013 See on congress.gov
Finance and Financial Sector Administrative law and regulatory proceduresAppropriationsBank accounts, deposits, capitalBanking and financial institutions regulation
More subjectsShow fewer subjects
Consumer Financial Protection BureauDepartment of the TreasuryExecutive agency funding and structureFinancial Stability Oversight CouncilFinancial services and investmentsGovernment employee pay, benefits, personnel managementRight of privacy
Sign in to write a letter Sign in to watch
This bill died when the 113th Congress ended
It never became law before the 113th Congress (2013–2014) 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 35 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Mar 4, 2014
Received in the Senate.
Feb 27, 2014
On passage Passed by recorded vote: 232 - 182 (Roll no. 85).
Feb 27, 2014
Motion to reconsider laid on the table Agreed to without objection.
Feb 27, 2014
On motion to recommit with instructions Failed by recorded vote: 194 - 223 (Roll no. 84). (consideration: CR H2053-2054)
Feb 27, 2014
The previous question on the motion to recommit with instructions was ordered without objection. (consideration: CR H2053-2054; text: CR H2052)
Feb 27, 2014
DEBATE - The House proceeded with 10 minutes of debate on the Shea-Porter motion to recommit with instructions. The instructions contained in the motion seek to report the same back to the House forthwith with an amendment to clarify that nothing in the underlying legislation may prohibit the Consumer Financial Protection Bureau from (1) informing consumers of any breach of personal information, while providing guidance on how to avoid such breaches in the future; (2) protecting services members from predatory payday lenders on or near military bases; or (3) investigating and enforcing sanctions related to ATM or private student loan fees.
Feb 27, 2014
Ms. Shea-Porter moved to recommit with instructions to Financial Services. (consideration: CR H2052-2054)
Feb 27, 2014
The House adopted the amendment in the nature of a substitute as agreed to by the Committee of the Whole House on the state of the Union. (text of amendment in the nature of a substitute: CR H2037-2039)
Feb 27, 2014
The House rose from the Committee of the Whole House on the state of the Union to report H.R. 3193.
Feb 27, 2014
UNFINISHED BUSINESS - The Chair announced that the unfinished business was the question on adoption of amendments which had been debated earlier and on which further proceedings had been postponed.
Feb 27, 2014
The House resolved into Committee of the Whole House on the state of the Union for further consideration.
Feb 27, 2014
Considered as unfinished business. (consideration: CR H2050-2055)
Feb 27, 2014
Committee of the Whole House on the state of the Union rises leaving H.R. 3193 as unfinished business.
Feb 27, 2014
On motion that the Committee rise Agreed to by voice vote.
Feb 27, 2014
Mr. Hensarling moved that the Committee rise.
Feb 27, 2014
POSTPONED PROCEEDINGS - At the conclusion of debate on the Moore Part B amendment No. 4, the Chair put the question on adoption of the amendment, and by voice vote annnounced that the noes had prevailed. Ms. Moore demanded a recorded vote, and the Chair postponed further proceedings on adoption of the amendment until later in the legislative day.
Feb 27, 2014
DEBATE - Pursuant to the provisions of H. Res. 475, the Committee of the Whole proceeded with 10 minutes of debate on the Moore Part B Amendment No. 4.
Feb 27, 2014
POSTPONED PROCEEDINGS - At the conclusion of debate on the DeSantis Part B amendment No. 3, the Chair put the question on adoption of the amendment, and by voice vote annnounced that the ayes had prevailed. Ms. Water demanded a recorded vote, and the Chair postponed further proceedings on adoption of the amendment until later in the legislative day.
Feb 27, 2014
DEBATE - Pursuant to the provisions of H. Res. 475, the Committee of the Whole proceeded with 10 minutes of debate on the DeSantis Part B Amendment No. 3.
Feb 27, 2014
POSTPONED PROCEEDINGS - At the conclusion of debate on the Rigell Part B amendment No. 1, the Chair put the question on adoption of the amendment, and by voice vote annnounced that the ayes had prevailed. Ms. Water demanded a recorded vote, and the Chair postponed further proceedings on adoption of the amendment until later in the legislative day.
Feb 27, 2014
DEBATE - Pursuant to the provisions of H. Res. 475, the Committee of the Whole proceeded with 10 minutes of debate on the Rigell Part B Amendment No. 1.
Feb 27, 2014
GENERAL DEBATE - The Committee of the Whole proceeded with one hour of general debate on H.R. 3193.
Feb 27, 2014
The Speaker designated the Honorable Reid J. Ribble to act as Chairman of the Committee.
Feb 27, 2014
House resolved itself into the Committee of the Whole House on the state of the Union pursuant to H. Res. 475 and Rule XVIII.
Feb 27, 2014
Rule provides for consideration of H.R. 3193 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. Measure will be considered read. Specified amendments are in order. It shall be in order to consider as an original bill for the purpose of amendment under the five-minute rule an amendment in the nature of a substitute consisting of the text of Rules Committee Print 113-36 modified by the amendment printed in part A of the report. No amendment to that amendment in the nature of a substitute shall be in order except those printed in part B of the report.
Feb 27, 2014
Considered under the provisions of rule H. Res. 475. (consideration: CR H2028-2043)
Feb 11, 2014
Rule H. Res. 475 passed House.
Feb 10, 2014
Rules Committee Resolution H. Res. 475 Reported to House. Rule provides for consideration of H.R. 3193 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. Measure will be considered read. Specified amendments are in order. It shall be in order to consider as an original bill for the purpose of amendment under the five-minute rule an amendment in the nature of a substitute consisting of the text of Rules Committee Print 113-36 modified by the amendment printed in part A of the report. No amendment to that amendment in the nature of a substitute shall be in order except those printed in part B of the report.
Feb 6, 2014
Placed on the Union Calendar, Calendar No. 256.
Feb 6, 2014
Reported by the Committee on Financial Services. H. Rept. 113-346.
Nov 21, 2013
Ordered to be Reported by the Yeas and Nays: 32 - 25.
Nov 21, 2013
Committee Consideration and Mark-up Session Held.
Oct 29, 2013
Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral.
Sep 26, 2013
Referred to the House Committee on Financial Services.
Sep 26, 2013
Introduced in House
 Votes taken on this bill 2
DateChamberWhat was voted onResultYes–No
Feb 27, 2014 House · vote #85 On Passage Passed 232–182 See who voted →
Feb 27, 2014 House · vote #84 On Motion to Recommit with Instructions Failed 194–223 See who voted →
 Amendments to this bill 3

Amendments propose changes to this bill. Members vote on amendments separately before the final bill vote. An agreed amendment becomes part of the bill; a failed amendment does not.

2 agreed to 1 failed

AmendmentSponsorPurposeStatusLatest action
HAMDT 572 Moore, Gwen Amendment sought to add Findings and Sense of Congress language to the end of the bill that acknowledges and … Failed Feb 27, 2014
HAMDT 571 – Amendment repeals the exclusive rulemaking authority of the Consumer Financial Protection Bureau. Agreed to Feb 27, 2014
HAMDT 570 – Amendment requires the Consumer Financial Protection Bureau to (1) submit an analysis on the impact of its pr… Agreed to Feb 27, 2014
 Ask about this bill AI · grounded in the bill text

Have a question about what this bill does? Ask in plain English; the answer is drawn from the bill's actual text and official record, and it'll tell you when something isn't in the text rather than guess.

AI answers can be imperfect; always confirm against the full bill text.

 Latest action March 4, 2014

Received in the Senate.

 Plain-English summary Congressional Research Service

Consumer Financial Protection Safety and Soundness Improvement Act of 2013 - Amends the Consumer Financial Protection Act of 2010 to authorize the Chairperson of the Financial Stability Oversight Council to issue a stay of, or set aside, any regulation issued by the Consumer Financial Protection Bureau (CFPB) upon the affirmative vote of the majority of Council members (currently, two-thirds), excluding the Director of the Bureau.

Requires the Council, upon the petition of a member agency of the Council, to set aside a final regulation prescribed by the CFPB if the Council decides that such regulation is inconsistent with the safe and sound operations of U.S. financial institutions. (Currently the Council is merely authorized, upon petition, to set aside a final regulation if it would put the safety and soundness of the U.S. banking system or the stability of the U.S. financial system at risk.)

Repeals: (1) the prohibition against Council set-aside of a regulation after expiration of a specified time period, and (2) mandatory dismissal of a petition if the Council has not issued a decision within such time period.

Requires the CFPB Director, when prescribing a rule under federal consumer financial laws, to consider its impact upon the financial safety or soundness of an insured depository institution.

 Related & companion bills 4
  • HRES 475 Procedurally related Providing for consideration of the bill (H.R. 3193) to amend the Consumer Financial Protection Act of 2010 to strengthe…
  • HR 2446 Responsible Consumer Financial Protection Regulations Act of 2013
  • S 2212 CFPB Improvement Act of 2014
  • S 2213 Consumer Financial Protection Commission Act of 2014
 Bill text 4 versions

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 3193: Consumer Financial Freedom and Washington Accountability Act. 113th Congress. Open America. https://openamerica.io/bill/113-HR-3193/
MLA
"H.R. 3193: Consumer Financial Freedom and Washington Accountability Act." 113th Congress, 2026, Open America, https://openamerica.io/bill/113-HR-3193/.
Bluebook (legal)
H.R. 3193, 113th Cong. (2026), https://openamerica.io/bill/113-HR-3193/.
Markdown link
[H.R. 3193: Consumer Financial Freedom and Washington Accountability Act](https://openamerica.io/bill/113-HR-3193/)
Report a problem