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HR 4463 113th Congress House

Tax Refund Protection Act of 2014

Official title: To amend the Consumer Financial Protection Act of 2010 to regulate tax return preparers and refund anticipation payment arrangements, and for other purposes.

Introduced: April 10, 2014 Introduced by: Bonamici, Suzanne Democratic · Oregon See on congress.gov
Taxation Administrative law and regulatory proceduresConsumer Financial Protection BureauConsumer affairsConsumer credit
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Licensing and registrationsTax administration and collection, taxpayersUser charges and fees
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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 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Apr 10, 2014
Referred to the Committee on Ways and Means, and in addition to the Committee on Financial Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Apr 10, 2014
Introduced in House
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 Latest action April 10, 2014

Referred to the Committee on Ways and Means, and in addition to the Committee on Financial Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

 Plain-English summary Congressional Research Service

Tax Refund Protection Act of 2014 - Amends the Consumer Financial Protection Act of 2010 to require the Consumer Financial Protection Bureau (CFPB) to: (1) regulate refund anticipation payment arrangements, (2) establish a licensing or certification program governing tax return preparers subject to this Act, (3) regulate such preparers, and (4) require applicants to demonstrate qualifications and competency to perform tax return preparation sevices.

Authorizes the CFPB to impose a licensing or certification fee.

Directs the CFPB to require such preparers to make prescribed disclosures to a consumer, including: (1) a fee schedule for preparing or filing a federal income tax return, or executing a refund anticipation payment arrangement; and (2) the consumer's responsibility to pay any fees and interest associated with a refund anticipation payment arrangement even if the consumer does not receive a tax refund or the refund's amount is less than anticipated under the arrangement.

Empowers the CFPB to take enforcement action against a preparer for specified violations.

Amends the Internal Revenue Code to permit a federal income tax refund, on taxpayer request, to be split between the taxpayer and the preparer. Prohibits treatment of such a split as disreputable conduct merely because the taxpayer requested the split.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
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APA
U.S. Congress. (2026). H.R. 4463: Tax Refund Protection Act of 2014. 113th Congress. Open America. https://openamerica.io/bill/113-HR-4463/
MLA
"H.R. 4463: Tax Refund Protection Act of 2014." 113th Congress, 2026, Open America, https://openamerica.io/bill/113-HR-4463/.
Bluebook (legal)
H.R. 4463, 113th Cong. (2026), https://openamerica.io/bill/113-HR-4463/.
Markdown link
[H.R. 4463: Tax Refund Protection Act of 2014](https://openamerica.io/bill/113-HR-4463/)
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