Senate joint resolution · S.J.Res. 128 (119th Congress)
A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code…
U.S. Senate
Sponsor: Catherine Cortez Masto (U.S. Senator for Nevada, Democratic)
Official titleShow
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 2024-03: Unlawful and Unenforceable Contract Terms and Conditions".
The heading above is this same sentence with its legal opening removed. No words were added, changed or reordered.
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From Congress.gov and official rosters. This record was last updated Aug 3, 2026. About our data
Summary
This joint resolution reinstates the Consumer Financial Protection Bureau’s (CFPB’s) guidance on unlawful and unenforceable contract terms published in a June 2024 circular. The circular states that consumer financial service providers that include unlawful or unenforceable terms in contracts with consumers (such as a contract that contains an unlawful waiver of the consumer’s right to sue) may be in violation of the Consumer Financial Protection Act's ban on deceptive acts or practices. The CFPB withdrew this circular on May 12, 2025. This joint resolution disapproves of the rule that withdraws this circular.
Summary from the Congressional Research Service. How we handle summaries
Where it stands
Assigned to a committee for review.
- Introduced
- In committee
- Up for a vote
- Passed one chamber
- Passed
- Enacted
Committee
Senate Committee on Banking, Housing, and Urban Affairs · U.S. Senate
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Related bills
As identified by Congress.gov.
Full history
- May 13, 2026
Motion to Proceed to Consideration of Measure Rejected in Senate by Voice Vote. (consideration: cr S2270-2271)
Motion to proceed to consideration of measure rejected in Senate by Voice Vote. (consideration: CR S2270-2271)
U.S. Senate
- May 13, 2026
Introduced
Motion to proceed to consideration of measure rejected in Senate by Voice Vote. (consideration: CR S2270-2271)
U.S. Senate
- Apr 27, 2026
Placed on Senate Legislative Calendar Under General Orders. Calendar No. 384.
Placed on Senate Legislative Calendar under General Orders. Calendar No. 384.
U.S. Senate
- Apr 27, 2026
In committee
Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c).
U.S. Senate
- Mar 17, 2026
Introduced
Introduced in U.S. Senate
U.S. Senate
Show full history (3 earlier events)Show less history
- Mar 17, 2026
Referred to committee
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Mar 17, 2026
Referred to committee
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Mar 17, 2026
Referred to committee
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Read the record
- Read on Congress.gov (opens in a new tab) The official record on Congress.gov.