# 119-hr-10184: Consumer Financial Protection Accountability and Reform Act of 2026 119-hr-10184, Consumer Financial Protection Accountability and Reform Act of 2026, is a 119th Congress bill sponsored by Rep. Barr, Andy [R-KY-6] (R-KY); status in_committee; PRIA reads it as touching household money (as of 2026-09-24). - Canonical: https://policyrisk.com/legislation/119-hr-10184 - As of: 2026-09-24 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: 119-hr-10184 - Congress: 119 - Title: Consumer Financial Protection Accountability and Reform Act of 2026 - Status: in_committee - Introduced: 2026-08-31 - Sponsor: Rep. Barr, Andy [R-KY-6] (R-KY) - Cosponsors: 30 - Policy area: Finance and Financial Sector - Touches household money: yes - Last recorded action: 2026-09-24 ## Summary **Rein in the Bureau of Consumer Financial Protection** by moving it into the annual appropriations process and tightening how it writes rules, supervises firms, and enforces consumer‑finance laws. ## Cosponsors (30) - Rep. Hill, J. French [R-AR-2] (R-AR), 2026-08-31T00:00:00.000Z - Rep. Lucas, Frank D. [R-OK-3] (R-OK), 2026-08-31T00:00:00.000Z - Rep. Sessions, Pete [R-TX-17] (R-TX), 2026-08-31T00:00:00.000Z - Rep. Huizenga, Bill [R-MI-4] (R-MI), 2026-08-31T00:00:00.000Z - Rep. Wagner, Ann [R-MO-2] (R-MO), 2026-08-31T00:00:00.000Z - Rep. Williams, Roger [R-TX-25] (R-TX), 2026-08-31T00:00:00.000Z - Rep. Emmer, Tom [R-MN-6] (R-MN), 2026-08-31T00:00:00.000Z - Rep. Loudermilk, Barry [R-GA-11] (R-GA), 2026-08-31T00:00:00.000Z - Rep. Davidson, Warren [R-OH-8] (R-OH), 2026-08-31T00:00:00.000Z - Rep. Rose, John W. [R-TN-6] (R-TN), 2026-08-31T00:00:00.000Z - Rep. Steil, Bryan [R-WI-1] (R-WI), 2026-08-31T00:00:00.000Z - Rep. Timmons, William R. [R-SC-4] (R-SC), 2026-08-31T00:00:00.000Z - Rep. Stutzman, Marlin A. [R-IN-3] (R-IN), 2026-08-31T00:00:00.000Z - Rep. Meuser, Daniel [R-PA-9] (R-PA), 2026-08-31T00:00:00.000Z - Rep. Kim, Young [R-CA-40] (R-CA), 2026-08-31T00:00:00.000Z - Rep. Donalds, Byron [R-FL-19] (R-FL), 2026-08-31T00:00:00.000Z - Rep. Garbarino, Andrew R. [R-NY-2] (R-NY), 2026-08-31T00:00:00.000Z - Rep. Fitzgerald, Scott [R-WI-5] (R-WI), 2026-08-31T00:00:00.000Z - Rep. Flood, Mike [R-NE-1] (R-NE), 2026-08-31T00:00:00.000Z - Rep. Lawler, Michael [R-NY-17] (R-NY), 2026-08-31T00:00:00.000Z - Rep. De La Cruz, Monica [R-TX-15] (R-TX), 2026-08-31T00:00:00.000Z - Rep. Nunn, Zachary [R-IA-3] (R-IA), 2026-08-31T00:00:00.000Z - Rep. McClain, Lisa C. [R-MI-9] (R-MI), 2026-08-31T00:00:00.000Z - Rep. Salazar, Maria Elvira [R-FL-27] (R-FL), 2026-08-31T00:00:00.000Z - Rep. Downing, Troy [R-MT-2] (R-MT), 2026-08-31T00:00:00.000Z - Rep. Haridopolos, Mike [R-FL-8] (R-FL), 2026-08-31T00:00:00.000Z - Rep. Moore, Tim [R-NC-14] (R-NC), 2026-08-31T00:00:00.000Z - Rep. Norman, Ralph [R-SC-5] (R-SC), 2026-08-31T00:00:00.000Z - Rep. Ogles, Andrew [R-TN-5] (R-TN), 2026-08-31T00:00:00.000Z - Rep. Calvert, Ken [R-CA-41] (R-CA), 2026-09-16T00:00:00.000Z ## Provisions PRIA read - New protections for earned wage access: benefit, medium. If enacted, workers who use earned wage access (EWA) would get new consumer protections. Providers could not share fees or tips with your employer, charge interest, late fees, or penalties, or sell expected wages to debt buyers (except when you knowingly lied). If a provider charges a fee, it would… - New limits on supervision and suits: benefit, medium. If enacted, the Bureau's supervision and enforcement powers would be narrower. Supervision would be limited to specific products that triggered the review and market-monitoring data could not be used to start enforcement. The Bureau must notify prudential and state regulators before suing or enteri… - Tighter standards and notice to firms: mixed, high. If enacted, the bill would narrow when the Bureau may use 'abusive' or 'substantial injury' authority. 'Substantial injury' would be limited to concrete, quantifiable harms and exclude trivial or purely emotional harms. The Bureau must define 'abusive' by rule within 180 days and may not enforce 'a… - Small-dollar loan safe harbor: mixed, medium. If enacted, lenders that meet new product and disclosure rules could get a TILA safe harbor for 'small-dollar products' with principal $3,500 or less. That $3,500 limit would be adjusted annually for inflation starting Jan 1, 2028 (2026 base) and rounded to the nearest $100, with 60 days' Federal R… - Civil penalty and restitution changes: mixed, medium. If enacted, the bill would lower a redesigned civil-penalty tier from $1,000,000 to $50,120 and require the Bureau to consider self-reporting and mitigation when setting penalties. The Bureau must issue a rule within 180 days to implement the changes and may publish a penalty matrix for consistency… - Definition for buy now, pay later: mixed, medium. If enacted, 'buy now, pay later' would be defined as a point-of-sale service that splits a purchase into a set of substantially equal installments and that does not charge interest or a finance charge. The definition would exclude loans not made at the point of sale and financing that is secured by… - More oversight and rulemaking checks: mixed, medium. If enacted, several changes would add interagency review, transparency, and budget controls for the Bureau. OMB would review major Bureau rules within eight years and non-major rules within ten years and require public comment and cost-benefit follow-up. The Bureau would need more pre-notice consul… - New rules for filing CFPB complaints: mixed, low. If enacted, people who file complaints with the Bureau would face new verification steps. Complainants may need to attest under penalty of perjury that the complaint is true and show proof of identity like an SSN, birth certificate, or state ID. Covered persons could close complaints they find dupl… ## Related bills - 119-hr-6955: Main Street Capital Access Act - 119-hr-452: Miracle on Ice Congressional Gold Medal Act - 119-hr-1919: Anti-CBDC Surveillance State Act - 119-hr-703: Main Street Tax Certainty Act - 119-hres-719: Honoring the life and legacy of Charles Charlie James Kirk. - 119-hr-1628: 761st Tank Battalion Congressional Gold Medal Act ## Sources - [119-hr-10184 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/10184) ## Related - [119-hr-6955: Main Street Capital Access Act](https://policyrisk.com/legislation/119-hr-6955) - [119-hr-452: Miracle on Ice Congressional Gold Medal Act](https://policyrisk.com/legislation/119-hr-452) - [119-hr-1919: Anti-CBDC Surveillance State Act](https://policyrisk.com/legislation/119-hr-1919) - [119-hr-703: Main Street Tax Certainty Act](https://policyrisk.com/legislation/119-hr-703) - [119-hres-719: Honoring the life and legacy of Charles Charlie James Kirk.](https://policyrisk.com/legislation/119-hres-719) - [119-hr-1628: 761st Tank Battalion Congressional Gold Medal Act](https://policyrisk.com/legislation/119-hr-1628) - [All bills in Congress](https://policyrisk.com/legislation) Source: PRIA, https://policyrisk.com/legislation/119-hr-10184 (as of 2026-09-24).