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S.J.Res. 128

U.S. Senate•Introduced

Summary

S.J.Res. 128, “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"”, was introduced in the Senate on Mar 17, 2026 by Sen. Catherine Cortez Masto (D). It last saw action on May 13, 2026: Motion to proceed to consideration of measure rejected in Senate by Voice Vote. (consideration: CR S2270-2271).

Record

Text

S.J.Res. 128 has no co-sponsors and has not gone to a roll call.

sjr128/introduced-in-senate.txt
119 SJ 128 IS: 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”.
 U.S. Senate
 2026-03-17
 text/xml
 EN
 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.
 IIA  119th CONGRESS  2d Session  S. J. RES. 128  IN THE SENATE OF THE UNITED STATES   March 17, 2026   Ms. Cortez Masto  introduced the following joint resolution; which was read twice and referred to the  Committee on Banking, Housing, and Urban Affairs    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 .
That Congress disapproves 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 (89 Fed. Reg. 51955 (June 21, 2024))  (90 Fed. Reg. 20084 (May 12, 2025)), and such rule shall have no force or effect.

Tracker

The tracker indicates the progress of this legislation as it moves through the legislative process.

  1. Introduced2026-03-17
  2. Passed Senate
  3. Passed House
  4. Conference
  5. To President
  6. Became Law

CRS Summary

The summaries are the Congressional Research Service’s, one per stage. Read them in full.

Introduced in Senate Mar 17, 2026

sjr128/introduced-in-senate.md

Shown Here:
Introduced in Senate (03/17/2026)

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.

Sponsors

Sen. Catherine Cortez Masto (D) sponsors S.J.Res. 128 alone.

Committees

S.J.Res. 128 went before 1 committee: Banking, Housing, and Urban Affairs.

Banking, Housing, and Urban Affairs
Banking, Housing, and Urban Affairs
Discharged From · Apr 27, 2026 · 465 Bills

Actions

S.J.Res. 128 has taken 5 actions since Mar 17, 2026, the latest on May 13, 2026.

ChamberAction
May 13, 2026
Senate
Motion to proceed to consideration of measure rejected in Senate by Voice Vote. (consideration: CR S2270-2271)
Apr 27, 2026
Senate
Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c).Banking, Housing, and Urban Affairs Committee
Apr 27, 2026
Senate
Placed on Senate Legislative Calendar under General Orders. Calendar No. 384.
Mar 17, 2026
Senate
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.Banking, Housing, and Urban Affairs Committee
Mar 17, 2026
—
Introduced in Senate

Votes

S.J.Res. 128 has not gone to a roll call.

1 bill is related to S.J.Res. 128, as Identical bill.

Titles

S.J.Res. 128 goes by 2 titles.

  • 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". — Official Title as 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". — Display Title

Classification

The Congressional Research Service files S.J.Res. 128 under Finance and Financial Sector, one of its 31 policy areas, and gives it 5 legislative subjects.

CRS Subjects

CRS assigns every bill one policy area from its 31; S.J.Res. 128’s is Finance and Financial Sector.

sjres128/policy-areas.txt
Finance and Financial SectorAgriculture and FoodAnimalsArmed Forces and National SecurityArts, Culture, ReligionCivil Rights and Liberties, Minority IssuesCommerceCongressCrime and Law EnforcementEconomics and Public FinanceEducationEmergency ManagementEnergyEnvironmental ProtectionFamiliesForeign Trade and International FinanceGovernment Operations and PoliticsHealthHousing and Community DevelopmentImmigrationInternational AffairsLabor and EmploymentLawNative AmericansPublic Lands and Natural ResourcesScience, Technology, CommunicationsSocial WelfareSports and RecreationTaxationTransportation and Public WorksWater Resources Development

Legislative Subjects

S.J.Res. 128 carries 5 of CRS’s legislative subjects, from Administrative law and regulatory procedures to Contracts and agency.

sjres128/subjects.txt
Administrative law and regulatory proceduresCongressional oversightConsumer affairsConsumer Financial Protection BureauContracts and agency

Source: congress.gov · legiscan.com