S.J.Res. 128 explained · 119th Congress · Pending in Congress
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".
Cosponsors: none · per Congress.gov, 2026-10-08
Introduced: 2026-03-17
Latest action (2026-05-13): Motion to proceed to consideration of measure rejected in Senate by Voice Vote. (consideration: CR S2270-2271)
What S.J.Res. 128 does, in plain terms
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.
Official summary by the Congressional Research Service, via Congress.gov.
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