# 119-hjres-163: 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 "Application of Regulation Z's Ability-To-Repay Rule to Certain Situations Involving Successors-In-Interest".

119-hjres-163, 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 "Application of Regulation Z's Ability-To-Repay Rule to Certain Situations Involving Successors-In-Interest"., is a 119th Congress bill sponsored by Rep. Fields, Cleo [D-LA-6] (D-LA); status introduced; PRIA reads it as touching household money (as of 2026-09-21).

- Canonical: https://policyrisk.com/legislation/119-hjres-163
- As of: 2026-09-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hjres-163
- Congress: 119
- Title: 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 "Application of Regulation Z's Ability-To-Repay Rule to Certain Situations Involving Successors-In-Interest".
- Status: introduced
- Introduced: 2026-04-30
- Sponsor: Rep. Fields, Cleo [D-LA-6] (D-LA)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-09-21

## Summary

**Nullifies the CFPB's withdrawal of the Regulation Z "Ability-to-Repay" rule as applied to successors-in-interest.** It declares the CFPB's 2025 notice withdrawing the July 17, 2014 provision has no force or effect.

## Provisions PRIA read

- Preserve mortgage borrower protections for successors: benefit, low. This bill would disapprove the CFPB rule published May 12, 2025 (90 Fed. Reg. 20084). That rule withdrew the CFPB's 2014 guidance (79 Fed. Reg. 41631) on successors-in-interest. If enacted, the withdrawal would have no force or effect and the 2014 guidance would remain in place. This would preserve…

## Related bills

- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-4669: FEMA Act of 2025
- 119-hr-7481: Department of Homeland Security Appropriations Act, 2026
- 119-hr-7973: Momnibus Act
- 119-hr-2945: Housing for All Act of 2025

## Sources
- [119-hjres-163 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-joint-resolution/163)

## Related
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-4669: FEMA Act of 2025](https://policyrisk.com/legislation/119-hr-4669)
- [119-hr-7481: Department of Homeland Security Appropriations Act, 2026](https://policyrisk.com/legislation/119-hr-7481)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-2945: Housing for All Act of 2025](https://policyrisk.com/legislation/119-hr-2945)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hjres-163 (as of 2026-09-21).