Skip to main content
H.R. 3182 116th Congress House

CECL Consumer Impact and Study Bill of 2019

Official title: To require the Securities and Exchange Commission and certain Federal agencies to carry out a study relating to accounting standards, and for other purposes.

Introduced: June 10, 2019 Introduced by: Vicente Gonzalez Democratic · Texas See on congress.gov
Finance and Financial Sector Accounting and auditingAdministrative law and regulatory proceduresBank accounts, deposits, capitalBanking and financial institutions regulation
More subjectsShow fewer subjects
Business investment and capitalCompetition and antitrustCompetitiveness, trade promotion, trade deficitsCongressional oversightConsumer creditEconomic performance and conditionsFinancial services and investmentsGovernment studies and investigationsSecurities and Exchange Commission (SEC)Small business
Sign in to write a letter Sign in to watch
This bill died when the 116th Congress ended
It never became law before the 116th Congress (2019–2020) 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
Jun 28, 2019
Referred to the Subcommittee on Commodity Exchanges, Energy, and Credit.
Jun 10, 2019
Referred to the Committee on Financial Services, and in addition to the Committee on Agriculture, 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 10, 2019
Introduced in House
 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 June 28, 2019

Referred to the Subcommittee on Commodity Exchanges, Energy, and Credit.

 Plain-English summary Congressional Research Service

CECL Consumer Impact and Study Bill of 2019

This bill directs the Securities and Exchange Commission and federal financial regulators to report on the implementation of the Current Expected Credit Losses (CECL) accounting standard and its impact on credit availability, capital requirements, financial institutions, and nonfinancial institutions. Required compliance with the CECL standard is delayed until one year after submission of this report.

 Related & companion bills 2
  • S 1564 Continued Encouragement for Consumer Lending Act
  • HR 6396 Responsible Relief for Americans Act
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 3
 Cosponsors 68
All 68 Democratic 7 Republican 32
Olson, Pete
· Mar 4, 2020
 R
Rose, John W.
Tennessee · Mar 4, 2020
 R
Crenshaw, Dan
Texas · Mar 3, 2020
Rouda, Harley
· Mar 3, 2020
 R
Smith, Jason
Missouri · Feb 26, 2020
 R
Timmons, William R.
South Carolina · Feb 26, 2020
Pence, Greg
· Jan 27, 2020
 R
Schweikert, David
Arizona · Dec 4, 2019
Hartzler, Vicky
· Nov 21, 2019
Walker, Mark
· Nov 19, 2019
Bishop, Dan
· Nov 13, 2019
 D
Case, Ed
Hawaii · Oct 29, 2019
Kirkpatrick, Ann
· Oct 29, 2019
YOUNG, DON
· Oct 29, 2019
McAdams, Ben
· Oct 23, 2019
Graves, Garret
· Oct 21, 2019
 R
Bergman, Jack
Michigan · Oct 15, 2019
Brooks, Mo
· Oct 15, 2019
Kuster, Ann
· Oct 15, 2019
Lesko, Debbie
· Oct 15, 2019
Brindisi, Anthony
· Sep 27, 2019
Mullin, Markwayne
· Sep 27, 2019
 D
Pappas, Chris
New Hampshire · Sep 27, 2019
 R
Bacon, Don
Nebraska · Sep 25, 2019
 R
Foxx, Virginia
North Carolina · Sep 25, 2019
Gianforte, Greg
· Sep 25, 2019
Jackson Lee, Sheila
· Sep 25, 2019
Flores, Bill
· Sep 17, 2019
 R
Griffith, H. Morgan
Virginia · Sep 17, 2019
 R
Hern, Kevin
Oklahoma · Sep 17, 2019
 R
Rouzer, David
North Carolina · Sep 17, 2019
 R
Johnson, Mike
Louisiana · Sep 10, 2019
 R
Wagner, Ann
Missouri · Sep 10, 2019
 D
Correa, J. Luis
California · Aug 2, 2019
 R
Smith, Adrian
Nebraska · Aug 2, 2019
 R
Westerman, Bruce
Arkansas · Jul 24, 2019
 R
Barr, Andy
Kentucky · Jul 22, 2019
 R
Higgins, Clay
Louisiana · Jul 22, 2019
 R
Rogers, Harold
Kentucky · Jul 22, 2019
 R
Steil, Bryan
Wisconsin · Jul 22, 2019
Horn, Kendra
· Jul 16, 2019
 R
Lucas, Frank D.
Oklahoma · Jul 16, 2019
Watkins, Steve
· Jul 16, 2019
 R
Crawford, Eric A. "Rick"
Arkansas · Jul 15, 2019
 R
Fitzpatrick, Brian K.
Pennsylvania · Jul 15, 2019
Stivers, Steve
· Jul 12, 2019
Wexton, Jennifer
· Jul 12, 2019
Meadows, Mark
· Jul 10, 2019
Posey, Bill
· Jul 10, 2019
 R
Womack, Steve
Arkansas · Jul 10, 2019
Page 1 of 2 Next
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 3182: CECL Consumer Impact and Study Bill of 2019. 116th Congress. Open America. https://openamerica.io/bill/116-HR-3182/
MLA
"H.R. 3182: CECL Consumer Impact and Study Bill of 2019." 116th Congress, 2026, Open America, https://openamerica.io/bill/116-HR-3182/.
Bluebook (legal)
H.R. 3182, 116th Cong. (2026), https://openamerica.io/bill/116-HR-3182/.
Markdown link
[H.R. 3182: CECL Consumer Impact and Study Bill of 2019](https://openamerica.io/bill/116-HR-3182/)
Report a problem