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HR 5490 114th Congress House

To amend the Consumer Financial Protection Act of 2010 to require that no deference be given to the interpretation of consumer financial law by the Bureau of Consumer Financial Protection, to define…

Official title: To amend the Consumer Financial Protection Act of 2010 to require that no deference be given to the interpretation of consumer financial law by the Bureau of C… Show full official titleShow less

Official title: To amend the Consumer Financial Protection Act of 2010 to require that no deference be given to the interpretation of consumer financial law by the Bureau of Consumer Financial Protection, to define the scope of judicial review of Bureau actions, and for other purposes.

Introduced: June 15, 2016 See on congress.gov
Finance and Financial Sector Administrative law and regulatory proceduresCivil actions and liabilityConstitution and constitutional amendmentsConsumer Financial Protection Bureau
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Consumer creditFinancial services and investmentsJudicial review and appeals
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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 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jul 20, 2016
Referred to the Subcommittee on Regulatory Reform, Commercial And Antitrust Law.
Jun 15, 2016
Referred to the Committee on Financial Services, and in addition to the Committee on the Judiciary, 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.
Jun 15, 2016
Introduced in House
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 Latest action July 20, 2016

Referred to the Subcommittee on Regulatory Reform, Commercial And Antitrust Law.

 Plain-English summary Congressional Research Service

This bill amends the Consumer Financial Protection Act of 2010 to repeal the declaration that the deference that a court affords to the Consumer Financial Protection Bureau (CFPB) regarding its determination of the meaning or interpretation of any provision of a federal consumer financial law shall be applied as if the CFPB were the only agency authorized to apply, enforce, interpret, or administer the provisions of that law.

In any judicial review of a CFPB agency action, the reviewing court shall determine the meaning or applicability of the terms of a CFPB agency action and decide de novo all relevant questions of law, including the interpretation of constitutional and statutory provisions, as well as CFPB rules. No law may exempt any civil action for judicial review from the application of this bill except by specific reference to it.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 3
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APA
U.S. Congress. (2026). H.R. 5490: To amend the Consumer Financial Protection Act of 2010 to require that no deference be given to the interpretation of consumer financial law by the Bureau of Consumer Financial Protection, to define the scope of judicial review of Bureau actions, and for other purposes.. 114th Congress. Open America. https://openamerica.io/bill/114-HR-5490/
MLA
"H.R. 5490: To amend the Consumer Financial Protection Act of 2010 to require that no deference be given to the interpretation of consumer financial law by the Bureau of Consumer Financial Protection, to define the scope of judicial review of Bureau actions, and for other purposes.." 114th Congress, 2026, Open America, https://openamerica.io/bill/114-HR-5490/.
Bluebook (legal)
H.R. 5490, 114th Cong. (2026), https://openamerica.io/bill/114-HR-5490/.
Markdown link
[H.R. 5490: To amend the Consumer Financial Protection Act of 2010 to require that no deference be given to the interpretation of consumer financial law by the Bureau of Consumer Financial Protection, to define the scope of judicial review of Bureau actions, and for other purposes.](https://openamerica.io/bill/114-HR-5490/)
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