# 119-hr-1606: Making the CFPB Accountable to Small Businesses Act of 2025

119-hr-1606, Making the CFPB Accountable to Small Businesses Act of 2025, is a 119th Congress bill sponsored by Rep. Fitzgerald, Scott [R-WI-5] (R-WI); status introduced; PRIA reads it as touching household money (as of 2026-10-08).

- Canonical: https://policyrisk.com/legislation/119-hr-1606
- As of: 2026-10-08
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-1606
- Congress: 119
- Title: Making the CFPB Accountable to Small Businesses Act of 2025
- Status: introduced
- Introduced: 2025-02-26
- Sponsor: Rep. Fitzgerald, Scott [R-WI-5] (R-WI)
- Cosponsors: 3
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-10-08

## Summary

**Requires federal financial rulemakers to assess and justify how rules affect small businesses.** This bill would force the Consumer Financial Protection Bureau and other covered agencies to run explicit small‑entity impact checks, explain why they rejected smaller alternatives, and describe steps taken to avoid raising small businesses' credit costs when making rules under the Dodd‑Frank framework. - Small businesses: Agencies would have to analyze how proposed rules affect small entities and include a description of steps taken to minimize any additional cost of credit for those businesses. This gives small firms clearer written consideration in rulemaking. - Covered agencies: The bill would amend multiple rulemaking sections to require agencies to follow section 609 of title 5 for small‑entity impact assessments and to provide factual, policy, and legal justification if they do not adopt small‑entity alternatives. Agencies face a new written accountability requirement when they decline small‑entity options. - Rulemaking transparency: Final regulatory flexibility analyses must now spell out the alternatives considered and why small entities’ size and resources do or do not matter for the rule. This creates a clearer record for regulators and outside reviewers.

## Cosponsors (3)

- Rep. Fallon, Pat [R-TX-4] (R-TX), 2025-02-26T00:00:00.000Z
- Rep. Meuser, Daniel [R-PA-9] (R-PA), 2025-03-26T00:00:00.000Z
- Rep. Barr, Andy [R-KY-6] (R-KY), 2025-03-31T00:00:00.000Z

## Provisions PRIA read

- Stronger small-business checks on CFPB rules: benefit, low. This bill would require Dodd-Frank rulemaking to review how a proposal affects small businesses under section 609. Covered agencies would have to justify, with facts, policy, and law, any choice not to use small-business alternatives. For final rules, they would also explain steps to limit any adde…

## Related bills

- 119-hr-21: Born-Alive Abortion Survivors Protection Act
- 119-hr-1181: Protecting Privacy in Purchases Act
- 119-hr-987: Fair Access to Banking Act
- 119-hr-9237: Take Care of America’s Veterans Act
- 119-hr-2570: Maximum Pressure Act
- 119-hr-6955: Main Street Capital Access Act

## Sources
- [119-hr-1606 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/1606)

## Related
- [119-hr-21: Born-Alive Abortion Survivors Protection Act](https://policyrisk.com/legislation/119-hr-21)
- [119-hr-1181: Protecting Privacy in Purchases Act](https://policyrisk.com/legislation/119-hr-1181)
- [119-hr-987: Fair Access to Banking Act](https://policyrisk.com/legislation/119-hr-987)
- [119-hr-9237: Take Care of America’s Veterans Act](https://policyrisk.com/legislation/119-hr-9237)
- [119-hr-2570: Maximum Pressure Act](https://policyrisk.com/legislation/119-hr-2570)
- [119-hr-6955: Main Street Capital Access Act](https://policyrisk.com/legislation/119-hr-6955)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-1606 (as of 2026-10-08).