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Congress·In Committee·S.J.Res. 125

Sen. Alsobrooks Introduces Resolution to Block CFPB Rule on Debt Collection Fees

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 "Debt Collection Practices (Regulation F); Pay-to-Pay Fees".

7 days ago·View on Congress.gov

Legislative Progress

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Key Points

  • This resolution uses the Congressional Review Act to block a CFPB decision that withdrew consumer protections against "pay-to-pay" fees — extra charges debt collectors add when people pay by phone or online.

    From policy text

    “Congress disapproves the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to ``Debt Collection Practices (Regulation F); Pay-to-Pay Fees, 87 Fed. Reg. 39733 (July 5, 2022)'' (90 Fed. Reg. 20084 (May 12, 2025)), and such rule shall have no force or effect.”
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  • The CFPB originally created rules in 2022 under Regulation F to limit convenience fees that debt collectors charge consumers for making payments. In May 2025, the CFPB withdrew those protections, and this resolution seeks to reverse that withdrawal.

    From policy text

    “the withdrawal of the rule relating to ``Debt Collection Practices (Regulation F); Pay-to-Pay Fees, 87 Fed. Reg. 39733 (July 5, 2022)'' (90 Fed. Reg. 20084 (May 12, 2025))”
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  • If passed, the CFPB's May 2025 withdrawal would be canceled, meaning the original 2022 consumer protections limiting pay-to-pay fees would remain in effect. Debt collectors would have to follow stricter rules about what fees they can charge.

    From policy text

    “and such rule shall have no force or effect.”
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  • The resolution was introduced by Sen. Alsobrooks and referred to the Senate Banking, Housing, and Urban Affairs Committee. As a joint resolution, it would need to pass both chambers of Congress and be signed by the president to take effect.

    From policy text

    “Ms. Alsobrooks introduced the following joint resolution; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs”
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Economy Finance

Impact Analysis

Personal Impact

Scores: 1 = low, 5 = highSentiment: -5 to +5 (net benefit)

Milestones

2 milestones2 actions
Mar 17, 2026Senate

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Mar 17, 2026

Introduced in Senate

What Happens Next

Projected impacts based on AI analysis

Immediately upon enactment

If enacted, the CFPB's May 2025 withdrawal of pay-to-pay fee restrictions is immediately canceled

Debt collectors would be required to follow the original 2022 Regulation F rules limiting convenience fees, potentially saving consumers money on every payment they make

Source Information

Document Type

Congressional Bill

Official 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 "Debt Collection Practices (Regulation F); Pay-to-Pay Fees".

Bill NumberSJRES 125
Congress119th Congress
ChamberSenate
Latest ActionRead twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Sponsor

Analysis generated by AI. Always verify with official sources.