# 119-hjres-185: 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".

119-hjres-185, 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"., is a 119th Congress bill sponsored by Rep. Vargas, Juan [D-CA-52] (D-CA); status introduced; PRIA reads it as touching household money (as of 2026-09-21).

- Canonical: https://policyrisk.com/legislation/119-hjres-185
- 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-185
- 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 "Consumer Financial Protection Circular 2024-03: Unlawful and Unenforceable Contract Terms and Conditions".
- Status: introduced
- Introduced: 2026-05-13
- Sponsor: Rep. Vargas, Juan [D-CA-52] (D-CA)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-09-21

## Summary

**Voids the CFPB rule that withdrew Consumer Financial Protection Circular 2024-03.** The resolution would disapprove that CFPB withdrawal rule so the withdrawal would have no force or effect.

## Provisions PRIA read

- Keep consumer finance contract protections: benefit, medium. If enacted, this resolution would disapprove the CFPB rule that sought to withdraw Consumer Financial Protection Circular 2024-03. Circular 2024-03 is titled "Unlawful and Unenforceable Contract Terms and Conditions" (89 Fed. Reg. 51955, June 21, 2024). The CFPB notice to withdraw that Circular was…

## Related bills

- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-7973: Momnibus Act
- 119-hr-5658: Child Care for Every Community Act
- 119-hr-3971: Domestic Workers Bill of Rights Act
- 119-hr-3069: Medicare for All Act

## Sources
- [119-hjres-185 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-joint-resolution/185)

## Related
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-5658: Child Care for Every Community Act](https://policyrisk.com/legislation/119-hr-5658)
- [119-hr-3971: Domestic Workers Bill of Rights Act](https://policyrisk.com/legislation/119-hr-3971)
- [119-hr-3069: Medicare for All Act](https://policyrisk.com/legislation/119-hr-3069)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hjres-185 (as of 2026-09-21).