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119-sjres-159119th CongressWALLET

A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Consumer Financial Protection Circular 2022-05: Debt Collection and Consumer Reporting Practices Involving Invalid Nursing Home Debts".

Sponsored By: Senator Padilla, Alex [D-CA]

Introduced

Summary

Preserves CFPB Circular 2022-05 on invalid nursing home debts. It nullifies the CFPB action that would withdraw that circular and keeps the agency's guidance on debt collection and consumer reporting involving invalid nursing home debts.

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Bill Overview

Analyzed Economic Effects

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

Keep CFPB nursing home guidance

If enacted, this resolution would disapprove the CFPB rule published at 90 Fed. Reg. 20084 (May 12, 2025) that tries to withdraw CFPB Circular 2022-05 (87 Fed. Reg. 57375, Sept. 20, 2022). That would keep the circular and its guidance about debt collection and credit reporting for disputed or invalid nursing home debts in effect. Consumers with disputed nursing home bills — including many seniors — would keep the protections the guidance provides against certain collection and reporting practices. This disapproval would take effect upon enactment.

Sponsors & CoSponsors

Sponsor

Padilla, Alex [D-CA]

CA • D

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

No roll call votes available for this bill.

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