Congressional Review Act Challenges to Executive Agency Rules

70 million Americans are estimated to be impacted by the CFPB's debt collection rule — roughly 1 in 3 U.S. adults with a credit file

Debt collection complaints to the CFPB rose from 109,900 in 2023 to roughly 207,800 in 2024 — nearly doubling in a single year

Of 20 CRA resolutions that have ever become law, 19 passed during presidential transition "lookback" periods — when a new president's party also controlled Congress

A successful CRA resolution permanently bars the issuing agency from adopting any "substantially the same" rule — without a new act of Congress

The Trump administration's Council of Economic Advisers estimated CFPB regulations cost consumers $237–$369 billion since 2011; the CFPB's own enforcement record credits the bureau with returning $21 billion directly to consumers over the same period