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 "Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt".
Latest Action
Referred to the House Committee on Financial Services.
Official Summary
Official summary has not been imported yet.
GovScope Watchdog™
AI Government Intelligence™This House Joint Resolution (HJRES 220) from the 118th Congress proposes congressional disapproval of a rule issued by the Bureau of Consumer Financial Protection (CFPB) concerning debt collection practices, specifically related to Regulation F and the deceptive and unfair collection of medical debt. The resolution seeks to nullify the CFPB's rule under chapter 8 of title 5, United States Code, which governs congressional review of federal regulations. The bill was referred to the House Committee on Financial Services but ultimately failed or expired without further action. No full text or official summary of the bill's provisions is available in the source data.
HJRES 220 aimed to reject a CFPB rule on medical debt collection practices but did not advance beyond committee referral and expired.
- The resolution targets a specific CFPB rule addressing deceptive and unfair medical debt collection under Regulation F.
- It uses the congressional disapproval mechanism under chapter 8 of title 5, U.S. Code, to attempt to nullify the rule.
- The bill was referred to the House Committee on Financial Services on November 13, 2024, but did not progress and is now failed or expired.
["Congressional members opposing the CFPB's medical debt collection rule", 'Debt collection agencies potentially affected by the CFPB rule', 'Stakeholders interested in federal regulatory oversight of financial consumer protection']
['Lack of detailed bill text and official summary limits understanding of specific provisions and implications.', 'The disapproval resolution mechanism may raise questions about the balance of regulatory authority between Congress and the CFPB.', 'Potential impacts on consumer protections related to medical debt collection are not detailed in the available data.']
The bill is part of the congressional review process allowing Congress to disapprove federal agency rules under the Congressional Review Act. It reflects legislative oversight of the CFPB's regulatory actions in the financial sector, specifically concerning debt collection practices. The resolution did not advance beyond committee referral and expired, indicating limited legislative momentum.
Hidden impact flags detected: 2
GovScope reviewed 2 policy-risk categories. Hover for a quick definition. Click detected flags for bill-specific details.
['If enacted, disapproval of the CFPB rule could reduce regulatory constraints on medical debt collection practices, potentially affecting consumer financial protections.', 'The use of the Congressional Review Act to nullify agency rules may influence future regulatory and legislative interactions in the financial sector.', "Failure of the resolution to advance may maintain the status quo regarding CFPB's authority and ongoing enforcement of debt collection regulations."]
The absence of a full bill text and official summary limits comprehensive analysis. Transparency would be improved by providing detailed legislative language and impact assessments. Monitoring the use of the Congressional Review Act in financial regulation contexts is important to understand shifts in regulatory authority and consumer protection frameworks.
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