H.J.Res. 132House115th Congress (2017-2019)In Committee

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 "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act".

AI-Generated Summary

Updated April 15, 2026 at 9:06 PM UTC

This joint resolution uses the Congressional Review Act to reject a rule issued by the Consumer Financial Protection Bureau (CFPB) that dealt with indirect auto lending and how it must comply with the Equal Credit Opportunity Act. By disapproving the rule, Congress says the rule will not be enforceable. The action primarily affects the CFPB, auto lenders that use indirect financing, and consumers seeking auto loans.

Key Provisions

Congress formally disapproves the CFPB’s “Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act” rule (CFPB Bulletin 2013‑02).
The disapproval means the rule has no legal effect and cannot be enforced.

Legislative Activity

Stay on top of the latest movement without scrolling through every action

1 earlier action

HouseIntro Referral Latest Action

Referred to the House Committee on Financial Services.

Financial Services Committee

April 10, 2018

View full timeline

HouseIntro Referral

Introduced in House

April 10, 2018

HouseIntro Referral

Referred to the House Committee on Financial Services.

Financial Services Committee

April 10, 2018

Bill Text

Latest available legislative text

Reading Mode

Raw Text PDF XML

Introduced in HouseIssued April 10, 2018

115th CONGRESS

2d Session

H. J. RES. 132

IN THE HOUSE OF REPRESENTATIVES

April 10, 2018

Mr. Zeldin submitted the following joint resolution; which was referred to the Committee on Financial Services

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 Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act.

That Congress disapproves the rule submitted by the Bureau of Consumer Financial Protection relating to Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act (CFPB Bulletin 2013–02 (March 21, 2013), and printed in the Congressional Record on December 6, 2017, on pages S7888–S7889, along with a letter of opinion from the Government Accountability Office dated December 5, 2017, that the Bulletin is a rule under the Congressional Review Act), and such rule shall have no force or effect.