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Congress·In Committee·S.J.Res. 141

Sen. Warnock Introduces Resolution to Block CFPB From Weakening Medical Debt Collection Protections

A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt".

5 days ago·View on Congress.gov·Read full text

Legislative Progress

Senate
House
President
Law

Key Points

  • This resolution uses the Congressional Review Act to block the CFPB from withdrawing its medical debt collection rule. If passed, the CFPB's withdrawal would be completely nullified, keeping the original consumer protections in place.

    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); Deceptive and Unfair Collection of Medical Debt (89 Fed. Reg. 80715 (October 4, 2024))'' (90 Fed. Reg. 20084 (May 12, 2025)), and such rule shall have no force or effect.”
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  • The original CFPB rule (Regulation F) was designed to stop debt collectors from using deceptive and unfair methods when collecting medical debt. The CFPB under the current administration moved to withdraw that rule, and this resolution aims to reverse that withdrawal.

    From policy text

    “the withdrawal of the rule relating to ``Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt''”
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  • Senator Warnock of Georgia introduced this resolution, which was referred to the Senate Committee on Banking, Housing, and Urban Affairs. As a joint resolution, it would need to pass both the Senate and House and be signed by the president to take effect.

    From policy text

    “Mr. Warnock introduced the following joint resolution; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs”
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  • Medical debt affects tens of millions of Americans and is often unexpected. Keeping strong collection rules in place would protect people from aggressive tactics that can damage credit scores and financial stability, particularly for lower-income families.
Economy FinanceHealthcare

Impact Analysis

Personal Impact

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

Milestones

2 milestones2 actions
Mar 19, 2026Senate

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

Mar 19, 2026

Introduced in Senate

What Happens Next

Projected impacts based on AI analysis

Spring-Summer 2026

Senate committee reviews the resolution

The Banking Committee decides whether to advance the resolution. CRA resolutions have special procedural rules that could allow it to bypass the committee, but political conditions make passage very uncertain.

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 Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt".

Bill NumberSJRES 141
Congress119th Congress
ChamberSenate
Latest ActionRead twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Read Full Bill Text

Sponsor

Analysis generated by AI. Always verify with official sources.