# 119-s-4684: Protecting American Consumers Act

119-s-4684, Protecting American Consumers Act, is a 119th Congress bill sponsored by Sen. Warren, Elizabeth [D-MA] (D-MA); status introduced; PRIA reads it as touching household money (as of 2026-09-25).

- Canonical: https://policyrisk.com/legislation/119-s-4684
- As of: 2026-09-25
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-4684
- Congress: 119
- Title: Protecting American Consumers Act
- Status: introduced
- Introduced: 2026-06-04
- Sponsor: Sen. Warren, Elizabeth [D-MA] (D-MA)
- Cosponsors: 16
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-09-25

## Summary

**Would lock the Bureau of Consumer Financial Protection into a fixed funding floor tied to the Federal Reserve's 2009 operating expenses.** It would amend the Consumer Financial Protection Act of 2010 to require annual transfers of not less than 12 percent of the Federal Reserve System's total operating expenses as reported in the Board of Governors' 2009 Annual Report.

## Cosponsors (16)

- Sen. Reed, Jack [D-RI] (D-RI), 2026-06-04T00:00:00.000Z
- Sen. Warner, Mark R. [D-VA] (D-VA), 2026-06-04T00:00:00.000Z
- Sen. Van Hollen, Chris [D-MD] (D-MD), 2026-06-04T00:00:00.000Z
- Sen. Cortez Masto, Catherine [D-NV] (D-NV), 2026-06-04T00:00:00.000Z
- Sen. Smith, Tina [D-MN] (D-MN), 2026-06-04T00:00:00.000Z
- Sen. Warnock, Raphael G. [D-GA] (D-GA), 2026-06-04T00:00:00.000Z
- Sen. Kim, Andy [D-NJ] (D-NJ), 2026-06-04T00:00:00.000Z
- Sen. Gallego, Ruben [D-AZ] (D-AZ), 2026-06-04T00:00:00.000Z
- Sen. Blunt Rochester, Lisa [D-DE] (D-DE), 2026-06-04T00:00:00.000Z
- Sen. Alsobrooks, Angela D. [D-MD] (D-MD), 2026-06-04T00:00:00.000Z
- Sen. Schumer, Charles E. [D-NY] (D-NY), 2026-09-22T00:00:00.000Z
- Sen. Durbin, Richard J. [D-IL] (D-IL), 2026-09-22T00:00:00.000Z
- Sen. Klobuchar, Amy [D-MN] (D-MN), 2026-09-22T00:00:00.000Z
- Sen. Gillibrand, Kirsten E. [D-NY] (D-NY), 2026-09-22T00:00:00.000Z
- Sen. Welch, Peter [D-VT] (D-VT), 2026-09-22T00:00:00.000Z
- Sen. Fetterman, John [D-PA] (D-PA), 2026-09-22T00:00:00.000Z

## Provisions PRIA read

- More funding for consumer protection agency: benefit, high. If enacted, the bill would require the Consumer Financial Protection Bureau to receive at least 12% of the Federal Reserve System's total operating expenses. The Bureau's funding floor would be measured using the Board of Governors' 2009 Annual Report. This would create a binding annual minimum, ef…

## Related bills

- 119-s-5066: Health Equity and Accountability Act of 2026
- 119-s-51: Washington, D.C. Admission Act
- 119-s-5108: Right to IVF Act of 2026
- 119-s-1503: Equality Act
- 119-s-2150: Women’s Health Protection Act of 2025
- 119-s-2523: John R. Lewis Voting Rights Advancement Act of 2025

## Sources
- [119-s-4684 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/4684)

## Related
- [119-s-5066: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-s-5066)
- [119-s-51: Washington, D.C. Admission Act](https://policyrisk.com/legislation/119-s-51)
- [119-s-5108: Right to IVF Act of 2026](https://policyrisk.com/legislation/119-s-5108)
- [119-s-1503: Equality Act](https://policyrisk.com/legislation/119-s-1503)
- [119-s-2150: Women’s Health Protection Act of 2025](https://policyrisk.com/legislation/119-s-2150)
- [119-s-2523: John R. Lewis Voting Rights Advancement Act of 2025](https://policyrisk.com/legislation/119-s-2523)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-4684 (as of 2026-09-25).