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Recognizing Operation Green Light for Veterans for supporting veterans and raising awareness about important county resources available to help veterans transition to civilian life.
Referred to the House Committee on Veterans' Affairs.
H.R. 11004 · HOUSE3d
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H.R. 10991 · HOUSE3d
SPARKS Act
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119th Congress · S.J.Res. 128 · Introduced

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".

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.

Full bill text →

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SubjectsAdministrative law and regulatory proceduresCongressional oversightConsumer Financial Protection BureauConsumer affairsContracts and agency

XML scalars

congress
119
type
SJRES
number
128
originChamber
Senate
originChamberCode
S
introducedDate
2026-03-17
updateDate
2026-05-27T14:28:13Z
updateDateIncludingText
2026-05-27T14:28:13Z
title
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".
legislationUrl
https://www.congress.gov/bill/119th-congress/senate-joint-resolution/128

Constitutional authority statement (CDATA)

null

Pipeline

Track
federal_presidential
Stage
Introduced
Stage rank
3

Sponsor

  • Sen. Cortez Masto, Catherine [D-NV] · [D-NV] · C001113
    Dem-NV current · 2 terms · @SenCortezMasto · 2 district offices

Sponsor record (congress_legislators)

Bio (legislators)

bioguide
C001113
status
current
official_full
Catherine Cortez Masto
first
Catherine
middle
null
last
Cortez Masto
suffix
null
nickname
null
birthday
1964-03-29
gender
F

Current term (2 total)

type
sen
state
NV
district
null
class
3
party
Democrat
caucus
null
start
2023-01-03
end
2029-01-03
end_type
null
how
null
url
https://www.cortezmasto.senate.gov
address
309 Hart Senate Office Building Washington DC 20510
office
309 Hart Senate Office Building
phone
202-224-3542
fax
null
contact_form
https://www.cortezmasto.senate.gov/contact
rss_url
null

Leadership roles (2)

  • Senate Democratic Outreach Vice Chair · senate · 2023-01-03 – 2025-01-03
  • Senate Democratic Outreach Vice Chair · senate · 2025-01-03 – present

Committee memberships (13)

  • Energy (senate) · senate · rank 5
  • Financial Institutions and Consumer Protection (senate) · senate · Ranking Member · rank 1
  • Health Care (senate) · senate · rank 4
  • International Trade, Customs, and Global Competitiveness (senate) · senate · rank 5
  • National Security and International Trade and Finance (senate) · senate · rank 3
  • Public Lands, Forests, and Mining (senate) · senate · Ranking Member · rank 1
  • Securities, Insurance, and Investment (senate) · senate · rank 3
  • Senate Committee on Banking, Housing, and Urban Affairs (senate) · senate · rank 5 · site
  • Senate Committee on Energy and Natural Resources (senate) · senate · rank 6 · site
  • Senate Committee on Finance (senate) · senate · rank 7 · site
  • Senate Committee on Indian Affairs (senate) · senate · rank 3 · site
  • Social Security, Pensions, and Family Policy (senate) · senate · rank 2
  • Water and Power (senate) · senate · rank 2

Social media

District offices (2)

  • 333 Las Vegas Boulevard South, Suite 8016, Las Vegas, NV, 89101 · 702-388-5020 · fax 702-388-5030 · Monday-Friday; 8:00am – 5:00pm PT · 36.1651058,-115.1424211
  • 400 South Virginia Street, Suite 902, Courthouse and Federal Building, Reno, NV, 89501 · 775-686-5750 · fax 775-686-5757 · Monday-Friday; 8:00am-5:00pm PT · 39.5215352,-119.810287

Other names (0)

none

Sponsor FEC record (fec_live)

Candidate record (candidates) · cycle 2026

candidate_id
S6NV00200
cycle
2026
name
CORTEZ MASTO, CATHERINE
party
DEMOCRATIC PARTY
office
Senate
state
NV
district
00
incumbent_challenge
Incumbent
candidate_status
C
active_through
2028
election_year
null
first_file_date
2015-04-08
last_file_date
2026-07-17
last_f2_date
2026-07-17
address
null

Candidate summary (candidate_summaries) · cycle 2022

cycle
2022
total_receipts
$67,150,988.76
total_disbursements
$64,370,360.54
cash_on_hand_end_period
$3,001,181.98
debts_owed_by_committee
$0.00
coverage_start_date
2017-01-01
coverage_end_date
2022-12-31

Connected committees (0)

none

Cosponsors (0)

none

Committees (1)

  • Banking, Housing, and Urban Affairs Committee [Senate Standing]
    2026-04-27T22:24:08ZDischarged From
    2026-03-17T23:01:20ZReferred To

Actions — from XML (6)

  • 2026-05-13Floorvia Senate
    Motion to proceed to consideration of measure rejected in Senate by Voice Vote. (consideration: CR S2270-2271)
  • 2026-04-27Calendarsvia Senate
    Placed on Senate Legislative Calendar under General Orders. Calendar No. 384.
  • 2026-04-27Dischargevia Senate
    Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c).
  • 2026-04-27Committee14500via Library of Congress
    Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c).
  • 2026-03-17IntroReferralvia Senate
    Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
  • 2026-03-17IntroReferral10000via Library of Congress
    Introduced in Senate

Actions — from bill_actions table (0)

none

Titles

  • Official Title as IntroducedIS2026-03-19T03:18:50Z
    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".
  • Display Title2026-03-18T10:56:19Z
    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".

Text versions (from XML)

Versions — from bill_versions table (0)

none

Policy area

Finance and Financial Sector

Summaries

00 · 2026-03-17 · Introduced in Senate

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.

Related bills

  • HJRES 185 (119) 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".
    Latest: 2026-05-13 — Referred to the House Committee on Financial Services.
    Relationship: Identical bill (via CRS)

Amendments (0)

none

Laws

none

Committee reports

none

Calendar number

null

CBO cost estimates

none

Latest action

Date
2026-05-13
Text
Motion to proceed to consideration of measure rejected in Senate by Voice Vote. (consideration: CR S2270-2271)
Time
null

Dublin Core

format
text/xml
language
EN
rights
Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.
contributor
Congressional Research Service, Library of Congress
description
This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.

Row fields (debug)

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12966
congress
119
bill_type
sjres
bill_number
128
bill_slug
sjres-128-119
title
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".
short_title
null
sponsor_bioguide_id
C001113
sponsor_name
Sen. Cortez Masto, Catherine [D-NV]
sponsor_party
D
sponsor_state
NV
introduced_date
2026-03-17
latest_action_date
2026-05-13
latest_action_text
Motion to proceed to consideration of measure rejected in Senate by Voice Vote. (consideration: CR S2270-2271)
status
null
policy_area
Finance and Financial Sector
subjects_json
[
  "Administrative law and regulatory procedures",
  "Congressional oversight",
  "Consumer Financial Protection Bureau",
  "Consumer affairs",
  "Contracts and agency"
]
govinfo_billstatus_path
BILLSTATUS-119sjres128
raw_billstatus_xml
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summary_lede
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…
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pipeline_track
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