# 119-hr-2331: Transparency in CFPB Cost-Benefit Analysis Act

119-hr-2331, Transparency in CFPB Cost-Benefit Analysis Act, is a 119th Congress bill sponsored by Rep. Loudermilk, Barry [R-GA-11] (R-GA); status introduced; PRIA reads it as touching household money (as of 2026-10-16).

- Canonical: https://policyrisk.com/legislation/119-hr-2331
- As of: 2026-10-16
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-2331
- Congress: 119
- Title: Transparency in CFPB Cost-Benefit Analysis Act
- Status: introduced
- Introduced: 2025-03-25
- Sponsor: Rep. Loudermilk, Barry [R-GA-11] (R-GA)
- Cosponsors: 2
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-10-16

## Summary

**This bill would require the Consumer Financial Protection Bureau to attach a detailed, transparent _cost‑benefit analysis_ to every proposed rule.** It would force each notice of proposed rulemaking to appear in full in the Federal Register and to include a structured set of explanations, data, and assumptions so the public and regulated parties can see why a rule is needed and what it will cost or deliver.

## Cosponsors (2)

- Rep. Barr, Andy [R-KY-6] (R-KY), 2025-03-25T00:00:00.000Z
- Rep. Lawler, Michael [R-NY-17] (R-NY), 2025-10-17T00:00:00.000Z

## Provisions PRIA read

- Clearer cost-benefit rules for consumer bureau: mixed, medium. If enacted, the Consumer Financial Protection Bureau would have to publish each proposed rule in full. Each proposal would explain the need, why the Bureau must act instead of markets or state, local, or tribal governments, and whether other federal rules already cover it. The Bureau would list rea…

## Related bills

- 119-hr-9237: Take Care of America’s Veterans Act
- 119-hr-6955: Main Street Capital Access Act
- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-4145: Ensuring Justice for Camp Lejeune Victims Act of 2025
- 119-hr-10184: Consumer Financial Protection Accountability and Reform Act of 2026

## Sources
- [119-hr-2331 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/2331)

## Related
- [119-hr-9237: Take Care of America’s Veterans Act](https://policyrisk.com/legislation/119-hr-9237)
- [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-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-4145: Ensuring Justice for Camp Lejeune Victims Act of 2025](https://policyrisk.com/legislation/119-hr-4145)
- [119-hr-10184: Consumer Financial Protection Accountability and Reform Act of 2026](https://policyrisk.com/legislation/119-hr-10184)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-2331 (as of 2026-10-16).