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HR 5112 114th Congress House Finance and Financial Sector Administrative law and regulatory procedures Banking and financial institutions regulation Consumer Financial Protection Bureau Consumer credit

Unfair or Deceptive Acts or Practices Uniformity Act

Introduced: April 28, 2016 See on congress.gov
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This bill died when the 114th Congress ended
It never became law before the 114th Congress (2015–2016) 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 28, 2016
Referred to the House Committee on Financial Services.
Apr 28, 2016
Introduced in House
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 Plain-English summary Congressional Research Service

Unfair or Deceptive Acts or Practices Uniformity Act

This bill amends the Consumer Financial Protection Act of 2010 to repeal the authority of the Consumer Financial Protection Bureau (CFPB) to take action to prevent a covered person or service provider from committing or engaging in an abusive act or practice under federal law in connection with any transaction with a consumer for a consumer financial product or service, or the offering of one.

Regarding CFPB authority over deceptive acts, the bill prohibits the CFPB from taking any action against a covered person or service provider without first consulting with such person's primary financial regulatory agency.

The CFPB must comply with the same rules as govern the Federal Trade Commission (FTC) regarding unfair or deceptive acts or practices in or affecting commerce. (The FTC may prescribe interpretive rules, general policy statements, and definitions regarding unfair or deceptive acts or practices, but has no authority to prescribe any other kind of rule with respect to such acts or practices.)

What's happening now April 28, 2016

Referred to the House Committee on Financial Services.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Cosponsors 3
All 3 Republican 3
R
Amodei, Mark E.
Nevada · May 18, 2016
 R
Sessions, Pete
Texas · May 18, 2016
 R
Barr, Andy
Kentucky · May 11, 2016
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 5112: Unfair or Deceptive Acts or Practices Uniformity Act. 114th Congress. Open America. https://openamerica.io/bill/114-HR-5112/
MLA
"H.R. 5112: Unfair or Deceptive Acts or Practices Uniformity Act." 114th Congress, 2026, Open America, https://openamerica.io/bill/114-HR-5112/.
Bluebook (legal)
H.R. 5112, 114th Cong. (2026), https://openamerica.io/bill/114-HR-5112/.
Markdown link
[H.R. 5112: Unfair or Deceptive Acts or Practices Uniformity Act](https://openamerica.io/bill/114-HR-5112/)
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