# 119-hr-2183: CFPB Dual Mandate and Economic Analysis Act

119-hr-2183, CFPB Dual Mandate and Economic Analysis Act, is a 119th Congress bill sponsored by Rep. Emmer, Tom [R-MN-6] (R-MN); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-2183
- 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-2183
- Congress: 119
- Title: CFPB Dual Mandate and Economic Analysis Act
- Status: introduced
- Introduced: 2025-03-18
- Sponsor: Rep. Emmer, Tom [R-MN-6] (R-MN)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Promoting private-sector participation and consumer choice** — this bill would recast the Consumer Financial Protection Bureau's mission to emphasize fair and transparent markets that strengthen private-sector participation and limit government interference. - Consumers: Requires the Bureau to measure and publish how rules affect consumer access to and the cost of financial products, with follow-ups reported at 1, 2, 5, and 10 years. - Financial firms and markets: Reorients enforcement language to prioritize increasing private-sector participation and competition and to avoid government interference or subsidies in markets. - Bureau process and transparency: Creates an Office of Economic Analysis to review all proposed guidance, orders, rules, and regulations and to publish assessments in the Federal Register. The Director must consider those assessments and must explain any disagreement, and must identify the problem and success metrics for each rulemaking.

## Provisions PRIA read

- CFPB mission shifts toward private markets: mixed, high. This bill would change the CFPB’s purpose statement. It would remove “competitive” from “fair, transparent, and competitive,” leaving “fair and transparent.” It would direct the Bureau to implement and, when needed, enforce consumer laws to strengthen private‑sector participation without government…
- New economic review office at CFPB: mixed, high. If enacted, the CFPB would have to set up an Office of Economic Analysis. The office would review every proposed rule, order, or guidance and assess effects on consumer choice, prices, and access to credit. It would publish each review in the Federal Register. It would also recheck each action afte…

## Related bills

- 119-hr-3633: Digital Asset Market Clarity Act
- 119-hr-2725: Affordable Housing Credit Improvement Act of 2025
- 119-hr-6955: Main Street Capital Access Act
- 119-hr-2392: STABLE Act of 2025
- 119-hr-21: Born-Alive Abortion Survivors Protection Act
- 119-hr-987: Fair Access to Banking Act

## Sources
- [119-hr-2183 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/2183)

## Related
- [119-hr-3633: Digital Asset Market Clarity Act](https://policyrisk.com/legislation/119-hr-3633)
- [119-hr-2725: Affordable Housing Credit Improvement Act of 2025](https://policyrisk.com/legislation/119-hr-2725)
- [119-hr-6955: Main Street Capital Access Act](https://policyrisk.com/legislation/119-hr-6955)
- [119-hr-2392: STABLE Act of 2025](https://policyrisk.com/legislation/119-hr-2392)
- [119-hr-21: Born-Alive Abortion Survivors Protection Act](https://policyrisk.com/legislation/119-hr-21)
- [119-hr-987: Fair Access to Banking Act](https://policyrisk.com/legislation/119-hr-987)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-2183 (as of 2026-04-21).