U.S. Congress legislation · 119th Congress
HB10184: Consumer Financial Protection Accountability and Reform Act of 2026
Status: In committee, September 16, 2026
To make reforms to the Bureau of Consumer Financial Protection, and for other purposes.
What the bill says
To make reforms to the Bureau of Consumer Financial Protection, and for other purposes.
From the introduced text, August 31, 2026:
A BILL To make reforms to the Bureau of Consumer Financial Protection, and for other purposes. SECTION 1. Short title; table of contents (a) Short title This Act may be cited as the Consumer Financial Protection Accountability and Reform Act of 2026 . (b) Table of contents The table of contents for this Act is as table of contents. Title I--Reforming Bureau Governance Sec. 101. Bringing the Bureau into the regular appropriations process. Sec. 102. Consumer Financial Civil Penalty Fund. Sec. 103. Transparency in cost-benefit analysis. Sec. 104. Accountability to small businesses. Sec. 105. Modernizing regulatory reviews. Sec. 106. Bureau of Consumer Financial Protection-Inspector General Reform. Title II--Restoring Legal Clarity and Procedural Fairness Sec. 201. Rectifying undefined descriptions of abusive acts and practices. Sec. 202. Limitation on use of unfair, deceptive, or abusive acts or practices authority to circumvent statutes of limitations. Sec. 203. Definition of substantial injury. Sec. 204. Restoring court authority over litigation. Sec. 205. Clarification to the authority of the Bureau with respect to persons regulated by a State insurance regulator. Title III--Promoting Innovation in Consumer Financial Markets Sec. 301. Safe harbor for small-dollar credit products. Sec. 302. Guidance clarity statement required. Sec. 303. GAO study on buy now pay later services. Sec. 304. Earned wage access services. Title IV--Promoting Effective, Predictable Supervision Sec. 401. Asset thresholds …
Sponsors
- Garland Barr (R, HD-KY-6) · primary sponsor
- French Hill (R, HD-AR-2)
- Frank Lucas (R)
- Pete Sessions (R, HD-017)
- Bill Huizenga (R, HD-004)
- Ann Wagner (R, HD-002)
- Roger Williams (R, HD-TX-25)
- Tom Emmer (R, HD-006)
- Barry Loudermilk (R, HD-011)
- Warren Davidson (R, HD-008)
- John Rose (R, HD-006)
- Bryan Steil (R, HD-001)
Latest actions
- : Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 21.
- : Committee Consideration and Mark-up Session Held
- : Referred to the Committee on Financial Services, and in addition to the Committees on the Judiciary, Small Business, and Oversight and Government Reform, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
- : Introduced in House
Subjects: Fraud offenses and financial crimes, Consumer credit, Small business, Consumer Financial Protection Bureau, Federal district courts, Inflation and prices, Consumer affairs, Administrative law and regulatory procedures
Common questions
- What is HB10184?
- HB10184 is a bill in Congress (119th Congress): Consumer Financial Protection Accountability and Reform Act of 2026.
- What does HB10184 do?
- In its own words: To make reforms to the Bureau of Consumer Financial Protection, and for other purposes.
- What is the status of HB10184?
- In committee as of September 16, 2026. Latest action: Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 21. (September 16, 2026).
- Who sponsored HB10184?
- Garland Barr (R, HD-KY-6), with 11 co-sponsors.
- Where is the official record for HB10184?
- On the Congress website: https://www.congress.gov/bill/119th-congress/house-bill/10184
Source: official Congress record. Tracked by Delilah, AI for legislation across all 50 states and Congress.