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S.J. Res. 128 119th Congress Senate

A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the…

Official title: A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Fina… Show full official titleShow less

Official title: A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Consumer Financial Protection Circular 2024-03: Unlawful and Unenforceable Contract Terms and Conditions".

Introduced: March 17, 2026 Introduced by: Catherine Cortez Masto Democratic · Nevada See on congress.gov
Finance and Financial Sector Administrative law and regulatory proceduresCongressional oversightConsumer Financial Protection BureauConsumer affairsContracts and agency
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 Everywhere this bill has been 5 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
May 13, 2026
Motion to proceed to consideration of measure rejected in Senate by Voice Vote. (consideration: CR S2270-2271)
Apr 27, 2026
Placed on Senate Legislative Calendar under General Orders. Calendar No. 384.
Apr 27, 2026
Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c).
Mar 17, 2026
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Mar 17, 2026
Introduced in Senate
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What's happening now May 13, 2026

Motion to proceed to consideration of measure rejected in Senate by Voice Vote. (consideration: CR S2270-2271)

 Plain-English summary Congressional Research Service

This joint resolution reinstates the Consumer Financial Protection Bureau’s (CFPB’s) guidance on unlawful and unenforceable contract terms published in a June 2024 circular. The circular states that consumer financial service providers that include unlawful or unenforceable terms in contracts with consumers (such as a contract that contains an unlawful waiver of the consumer’s right to sue) may be in violation of the Consumer Financial Protection Act's ban on deceptive acts or practices.

The CFPB withdrew this circular on May 12, 2025. This joint resolution disapproves of the rule that withdraws this circular.

 Related & companion bills 1
  • HJRES 185 Identical bill Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bu…
 Bill text 3 versions

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
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APA
U.S. Congress. (2026). S.J. Res. 128: A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Consumer Financial Protection Circular 2024-03: Unlawful and Unenforceable Contract Terms and Conditions".. 119th Congress. Open America. https://openamerica.io/bill/119-SJRES-128/
MLA
"S.J. Res. 128: A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Consumer Financial Protection Circular 2024-03: Unlawful and Unenforceable Contract Terms and Conditions".." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-SJRES-128/.
Bluebook (legal)
S.J. Res. 128, 119th Cong. (2026), https://openamerica.io/bill/119-SJRES-128/.
Markdown link
[S.J. Res. 128: A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Consumer Financial Protection Circular 2024-03: Unlawful and Unenforceable Contract Terms and Conditions".](https://openamerica.io/bill/119-SJRES-128/)
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