# 119-hr-1652: Rectifying UDAAP Act

119-hr-1652, Rectifying UDAAP Act, is a 119th Congress bill sponsored by Rep. Barr, Andy [R-KY-6] (R-KY); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-1652
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-1652
- Congress: 119
- Title: Rectifying UDAAP Act
- Status: introduced
- Introduced: 2025-02-27
- Sponsor: Rep. Barr, Andy [R-KY-6] (R-KY)
- Cosponsors: 7
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**This bill would narrow and clarify the Consumer Financial Protection Bureau's authority to enforce unfair, deceptive, or abusive acts or practices (UDAAP).** It would set clearer legal tests and add procedural limits on when and how the CFPB could impose penalties or seek relief. - Consumers and families: The bill would tighten the definition of "abusive" so a practice must either intentionally and materially block a consumer's understanding of a term or unreasonably exploit a consumer's lack of understanding and reliance. It also ties findings of injury to avoidability and net benefits. - Financial firms and covered persons: It would create a notice-and-cure process where firms that self-identify potential UDAAP get a notice within 90 days and 180 days to cure. The bill would also require good-faith compliance before monetary penalties and bar civil penalties for conduct before a firm's most recent consumer compliance rating. - Rulemaking and enforcement: The CFPB would have to define "abusive" and issue rulemaking within 180 days, include a cost-benefit analysis for final rules, and solicit public comment. The bill would also limit where enforcement suits can be filed and require particularized allegations in UDAAP claims. - Scope limits: The bill would prohibit the CFPB from interpreting its UDAAP authority to cover discriminatory practices.

## Cosponsors (7)

- Rep. Garbarino, Andrew R. [R-NY-2] (R-NY), 2025-06-24T00:00:00.000Z
- Rep. Wagner, Ann [R-MO-2] (R-MO), 2025-06-26T00:00:00.000Z
- Rep. Meuser, Daniel [R-PA-9] (R-PA), 2025-06-26T00:00:00.000Z
- Rep. De La Cruz, Monica [R-TX-15] (R-TX), 2025-06-26T00:00:00.000Z
- Rep. Moore, Tim [R-NC-14] (R-NC), 2025-07-16T00:00:00.000Z
- Rep. Sessions, Pete [R-TX-17] (R-TX), 2025-09-16T00:00:00.000Z
- Rep. Lawler, Michael [R-NY-17] (R-NY), 2025-10-06T00:00:00.000Z

## Provisions PRIA read

- Consumer finance rules need cost-benefit test: mixed, high. The bill would let the consumer finance bureau write rules that identify unfair, deceptive, or abusive acts. The rules could include steps firms must take to prevent these acts. Any final rule would need a cost-benefit analysis. These authorities would start upon enactment if the bill becomes law.
- Limits on consumer finance penalty powers: mixed, high. This bill would add guardrails to how the consumer finance bureau enforces UDAAP. If a firm self-reports a problem, the Bureau must send notice within 90 days, and the firm gets 180 days to cure. The statute of limitations would not pause during that window. The Bureau could not seek money under UD…
- Tighter rules for calling acts abusive: mixed, high. This bill would tighten when the consumer finance bureau could label a practice as abusive. A practice would be abusive only if it either intentionally and materially blocks a consumer’s understanding of a term, or takes unreasonable advantage of a consumer’s lack of understanding and reasonable re…

## Related bills

- 119-hr-6955: Main Street Capital Access Act
- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-10184: Consumer Financial Protection Accountability and Reform Act of 2026
- 119-hr-1422: Enhanced Iran Sanctions Act of 2025
- 119-hr-1919: Anti-CBDC Surveillance State Act
- 119-hr-1301: Death Tax Repeal Act

## Sources
- [119-hr-1652 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/1652)

## Related
- [119-hr-6955: Main Street Capital Access Act](https://policyrisk.com/legislation/119-hr-6955)
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-10184: Consumer Financial Protection Accountability and Reform Act of 2026](https://policyrisk.com/legislation/119-hr-10184)
- [119-hr-1422: Enhanced Iran Sanctions Act of 2025](https://policyrisk.com/legislation/119-hr-1422)
- [119-hr-1919: Anti-CBDC Surveillance State Act](https://policyrisk.com/legislation/119-hr-1919)
- [119-hr-1301: Death Tax Repeal Act](https://policyrisk.com/legislation/119-hr-1301)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-1652 (as of 2026-04-21).