Sen. Murray Introduces Resolution to Block CFPB From Weakening Medical Debt Protections
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 "Bulletin 2022-01: Medical Debt Collection and Consumer Reporting Requirements in Connection with the No Surprises Act".
This bill was introduced in the Senate and is currently being reviewed by the Committee on Banking, Housing, and Urban Affairs. No further actions are scheduled at this time, so the bill is not moving forward. There is no companion bill listed for this resolution.
Passage Likelihood
Legislative Progress
Key Points
- This resolution uses the Congressional Review Act to block the CFPB from withdrawing protections for people with medical debt. If passed, it would undo the agency's decision to scrap rules that guide how debt collectors handle medical bills.
From policy text
“Congress disapproves the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to ``Bulletin 2022-01: Medical Debt Collection and Consumer Reporting Requirements in Connection with the No Surprises Act”
View in full text - The original CFPB bulletin from 2022 set requirements for how medical debt collectors report information to credit bureaus, especially in connection with the No Surprises Act, which protects patients from surprise out-of-network bills.
From policy text
“Bulletin 2022-01: Medical Debt Collection and Consumer Reporting Requirements in Connection with the No Surprises Act (87 Fed. Reg. 3025 (January 20, 2022))”
View in full text - The CFPB withdrew its medical debt bulletin in May 2025. This resolution would reverse that withdrawal and restore the original consumer protections, ensuring debt collectors follow the rules tied to the No Surprises Act.
From policy text
“(90 Fed. Reg. 20084 (May 12, 2025)), and such rule shall have no force or effect.”
View in full text - The resolution was introduced by Sen. Murray and referred to the Senate Banking, Housing, and Urban Affairs Committee. As a Congressional Review Act resolution, it has special procedural tools that can force a floor vote, but it faces long odds in the current political environment.
From policy text
“Mrs. Murray introduced the following joint resolution; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs”
View in full text
Impact Analysis
Personal Impact
Milestones
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Sent to a congressional committee for expert review. The committee decides whether this bill moves forward.
Introduced in Senate
The bill was officially filed and given a number. It now enters the legislative queue.
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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 "Bulletin 2022-01: Medical Debt Collection and Consumer Reporting Requirements in Connection with the No Surprises Act".
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