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119-hr-1653119th CongressWALLET

Civil Investigative Demand Reform Act of 2025

Sponsored By: Representative Barr, Andy [R-KY-6]

In Committee

Summary

Reforms to the CFPB's civil investigative demand process. This bill would add clear time limits, require factual specificity in demands, create a formal attorney Q&A process with firm response deadlines, expand petition confidentiality, broaden grounds to set aside demands, and allow courts to review denials.

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  • People and companies who receive CFPB demands would get clearer notice and a statutory deadline. CIDs would generally have to be issued within 6 years of the alleged violation.
  • Attorneys representing targets could submit written questions about a CID's scope and must receive a Bureau response within 20 days or by the CID return date. The Bureau may extend the return date and the deadline to petition when it answers those questions.
  • Petitioners would have the contents of their petitions treated as confidential. Courts could set aside a CID for failure to follow the statute, for constitutional or legal rights, or for undue burden, duplication, or availability from a less burdensome source.
  • Denials of Bureau petitions to modify or set aside a CID could be reviewed by a court, creating a direct judicial path for CID disputes.

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

New limits on CFPB investigative demands

This bill would change how the Consumer Financial Protection Bureau issues and handles civil investigative demands (CIDs). It would require a CID to be issued no later than 6 years after the alleged violation. It would require the CID to cite specific facts about the conduct. An attorney advising a CID recipient could submit written questions about the CID's scope. The Bureau would have to answer within the shorter of 20 days after the question or the period from CID service to the CID return date. The Bureau could include an extension of the CID return date and the deadline to file a petition when it responds. The bill would keep the contents of petitions confidential. It would list specific grounds to modify or set aside a CID, including noncompliance, asserted legal rights or privileges, undue burden or disproportionate expense, scope outside the inquiry, or duplicative or obtainable information. If the Bureau denied a petition to modify or set aside a CID, that denial would be subject to judicial review.

Sponsors & CoSponsors

Sponsor

Barr, Andy [R-KY-6]

KY • R

Cosponsors

  • Rep. Gonzalez, Vicente [D-TX-34]

    TX • D

    Sponsored 2/27/2025

  • Rep. Moskowitz, Jared [D-FL-23]

    FL • D

    Sponsored 2/27/2025

  • Rep. Timmons, William R. [R-SC-4]

    SC • R

    Sponsored 3/3/2025

  • Rep. Wagner, Ann [R-MO-2]

    MO • R

    Sponsored 6/26/2025

  • Rep. Meuser, Daniel [R-PA-9]

    PA • R

    Sponsored 6/26/2025

  • Rep. Moore, Tim [R-NC-14]

    NC • R

    Sponsored 7/16/2025

Roll Call Votes

No roll call votes available for this bill.

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