# 119-hr-3445: Bureau of Consumer Financial Protection Commission Act

119-hr-3445, Bureau of Consumer Financial Protection Commission Act, is a 119th Congress bill sponsored by Rep. Huizenga, Bill [R-MI-4] (R-MI); status introduced; PRIA reads it as touching household money (as of 2026-05-20).

- Canonical: https://policyrisk.com/legislation/119-hr-3445
- As of: 2026-05-20
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-3445
- Congress: 119
- Title: Bureau of Consumer Financial Protection Commission Act
- Status: introduced
- Introduced: 2025-05-15
- Sponsor: Rep. Huizenga, Bill [R-MI-4] (R-MI)
- Cosponsors: 10
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-05-20

## Summary

**Would convert the Bureau of Consumer Financial Protection into an independent agency run by a five‑member Commission.** The bill would replace the single Director model with a Commission structure and rewrite references, terms, quorum rules, and pay levels to match the new governance. - Consumers and households: The Commission would have authority to prescribe regulations and issue orders to carry out consumer financial laws, shifting rulemaking and enforcement to a multi‑member body. - Financial firms and state regulators: Commissioners must be presidentially appointed and Senate confirmed, with at least 2 members having private‑sector consumer finance experience and at least 1 having served as a State bank supervisor. The bill also bars more than 3 Commissioners from the same political party. - Agency operations and leadership: The Chair becomes the principal executive officer responsible for personnel, work distribution, and spending and must get Commission approval for appropriation requests. The bill sets staggered initial terms of 1–5 years, later 5‑year terms, names the prior Director as initial Chair until five members are appointed, and sets pay at Executive Schedule levels I and II.

## Cosponsors (10)

- Rep. Barr, Andy [R-KY-6] (R-KY), 2025-05-15T00:00:00.000Z
- Rep. Meuser, Daniel [R-PA-9] (R-PA), 2025-05-15T00:00:00.000Z
- Rep. Fitzgerald, Scott [R-WI-5] (R-WI), 2025-05-15T00:00:00.000Z
- Rep. Rose, John W. [R-TN-6] (R-TN), 2025-05-15T00:00:00.000Z
- Rep. Moore, Tim [R-NC-14] (R-NC), 2025-05-15T00:00:00.000Z
- Rep. Timmons, William R. [R-SC-4] (R-SC), 2025-05-15T00:00:00.000Z
- Rep. Williams, Roger [R-TX-25] (R-TX), 2025-06-12T00:00:00.000Z
- Rep. Loudermilk, Barry [R-GA-11] (R-GA), 2025-11-19T00:00:00.000Z
- Rep. Buchanan, Vern [R-FL-16] (R-FL), 2025-11-19T00:00:00.000Z
- Rep. Mann, Tracey [R-KS-1] (R-KS), 2026-04-09T00:00:00.000Z

## Provisions PRIA read

- Consumer bureau would be independent of Federal Reserve: mixed, high. This bill would make the Bureau an independent agency, removing language that tied it to the Federal Reserve System. The Commission would issue rules and orders for the laws the Bureau enforces. Many laws would be updated so references to the Bureau’s “Director” point to the Commission or to the Bu…
- Five-member commission to run consumer bureau: mixed, high. This bill would replace the single Director with a five‑member Commission for the consumer finance Bureau. The President would appoint the five members, and the Senate would confirm them. The person who was Director the day before enactment would serve as the first member and Chair until all five a…

## Related bills

- 119-hr-703: Main Street Tax Certainty Act
- 119-hr-38: Constitutional Concealed Carry Reciprocity Act of 2025
- 119-hr-3699: Energy Choice Act
- 119-hr-1628: 761st Tank Battalion Congressional Gold Medal Act
- 119-hr-452: Miracle on Ice Congressional Gold Medal Act
- 119-hr-21: Born-Alive Abortion Survivors Protection Act

## Sources
- [119-hr-3445 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/3445)

## Related
- [119-hr-703: Main Street Tax Certainty Act](https://policyrisk.com/legislation/119-hr-703)
- [119-hr-38: Constitutional Concealed Carry Reciprocity Act of 2025](https://policyrisk.com/legislation/119-hr-38)
- [119-hr-3699: Energy Choice Act](https://policyrisk.com/legislation/119-hr-3699)
- [119-hr-1628: 761st Tank Battalion Congressional Gold Medal Act](https://policyrisk.com/legislation/119-hr-1628)
- [119-hr-452: Miracle on Ice Congressional Gold Medal Act](https://policyrisk.com/legislation/119-hr-452)
- [119-hr-21: Born-Alive Abortion Survivors Protection Act](https://policyrisk.com/legislation/119-hr-21)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-3445 (as of 2026-05-20).