S.J.Res. 57Senate115th Congress (2017-2019)Enacted

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

Introduced March 22, 2018

AI-Generated Summary

Updated April 15, 2026 at 9:11 PM UTC

This joint resolution uses the Congressional Review Act to reject a Consumer Financial Protection Bureau (CFPB) rule about 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 mainly 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” bulletin (CFPB Bulletin 2013‑02).
  • The disapproval means the rule has no legal force or effect.

Legislative Activity

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22 earlier actions
Became Law Latest Action

Became Public Law No: 115-172.

May 21, 2018

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SenateIntro Referral

Introduced in Senate

March 22, 2018

SenateIntro Referral

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

March 22, 2018

SenateCommittee

Senate Committee on Banking, Housing, and Urban Affairs discharged by petition pursuant to 5 U.S.C. 802(c).

April 12, 2018

SenateCalendars

Placed on Senate Legislative Calendar under General Orders. Calendar No. 378.

April 12, 2018

SenateFloor

Motion to proceed to consideration of measure agreed to in Senate by Yea-Nay Vote. 50 - 47. Record Vote Number: 75. (CR S2200)

April 17, 2018

SenateFloor

Measure laid before Senate by motion. (consideration: CR S2200-2215)

April 17, 2018

SenateFloor

Considered by Senate. (consideration: CR S2227-2240)

April 18, 2018

SenateFloor

Passed Senate without amendment by Yea-Nay Vote. 51 - 47. Record Vote Number: 76. (text: CR S2240)

April 18, 2018

SenateFloor

Message on Senate action sent to the House.

April 18, 2018

HouseFloor

Received in the House.

April 18, 2018 • 5:30 PM

HouseFloor

Held at the desk.

April 18, 2018 • 5:41 PM

HouseFloor

Rules Committee Resolution H. Res. 872 Reported to House. Rule provides for consideration of H.R. 5645, H.R. 2152 and S.J. Res. 57. Rule provides for consideration of H.R. 5645 under a structured rule, with one motion to recommit with or without instructions. Rule provides for consideration of H.R. 2152 under a closed rule, with one motion to recommit with or without instructions. Rule also provides for consideration of S.J. Res. 57 under a closed rule with one motion to commit.

May 7, 2018 • 7:17 PM

HouseFloor

Rule H. Res. 872 passed House.

May 8, 2018 • 1:39 PM

HouseFloor

Considered under the provisions of rule H. Res. 872. (consideration: CR H3815-3823)

May 8, 2018 • 3:10 PM

HouseFloor

Rule provides for consideration of H.R. 5645, H.R. 2152 and S.J. Res. 57. Rule provides for consideration of H.R. 5645 under a structured rule, with one motion to recommit with or without instructions. Rule provides for consideration of H.R. 2152 under a closed rule, with one motion to recommit with or without instructions. Rule also provides for consideration of S.J. Res. 57 under a closed rule with one motion to commit.

May 8, 2018 • 3:10 PM

HouseFloor

DEBATE - The House proceeded with one hour of debate on S.J. Res. 57.

May 8, 2018 • 3:10 PM

HouseFloor

The previous question was ordered pursuant to the rule.

May 8, 2018 • 4:20 PM

SenateFloor

Passed/agreed to in House: On passage Passed by the Yeas and Nays: 234 - 175, 1 Present (Roll no. 171).(text: CR H3815)

May 8, 2018 • 4:49 PM

HouseFloor

On passage Passed by the Yeas and Nays: 234 - 175, 1 Present (Roll no. 171). (text: CR H3815)

May 8, 2018 • 4:49 PM

HouseFloor

Motion to reconsider laid on the table Agreed to without objection.

May 8, 2018 • 4:49 PM

President

Presented to President.

May 10, 2018

Became Law

Signed by President.

May 21, 2018

Became Law

Became Public Law No: 115-172.

May 21, 2018

Floor Debate

19 members

What members said about S.J.Res. 57 on the floor

12 Republicans7 Democrats
Ken Buck
Rep. Ken BuckR-CO-4 · May 8, 2018

Mr. Speaker, by direction of the Committee on Rules, I call up House Resolution 872 and ask for its immediate consideration. Mr. Speaker, for the purpose of debate only, I yield the customary 30…

Sherrod Brown
Sen. Sherrod BrownD-OH · Apr 17, 2018

Mr. President, I rise in opposition to the motion. This is my second day in a row being on the opposite side of my friend Senator Moran and Senator Crapo, too, for that matter, but you have to do…

Patrick J. Toomey
Sen. Patrick J. ToomeyR-PA · Apr 17, 2018

Mr. President, I rise this afternoon to address the CRA we voted to proceed to and on which we will vote for final passage tomorrow. It is a Congressional Review Act resolution that will allow us to…

Cory A. Booker
Sen. Cory A. BookerD-NJ · Apr 18, 2018

Mr. President, I rise today with my colleagues in advance of today's Congressional Review Act vote. I want to be clear about something. We are here today for a CRA vote, or a Congressional Review Act…

Norma J. Torres
Rep. Norma J. TorresD-CA-35 · May 8, 2018

Mr. Speaker, I thank the gentleman from Colorado (Mr. Buck) for yielding me the customary 30 minutes, and I yield myself such time as I may consume. Mr. Speaker, last week, many of us spent our time…

Show 8 more
Maxine Waters
Rep. Maxine WatersD-CA-43 · May 8, 2018

Mr. Speaker, I yield myself such time as I may consume. Mr. Speaker, I rise today in opposition to S.J. Res. 57, a Congressional Review Act resolution to repeal a very important guidance on indirect…

Jeb Hensarling
Rep. Jeb HensarlingR-TX-5 · May 8, 2018

Mr. Speaker, pursuant to House Resolution 872, I call up the joint resolution (S.J. Res. 57) providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule…

Mike Crapo
Sen. Mike CrapoR-ID · Apr 17, 2018

Mr. President, I rise today to offer my support for Senator Moran and Senator Toomey's resolution using the Congressional Review Act to disapprove of the CFPB's 2013 auto finance guidance. It is…

David Perdue
Sen. David PerdueR-GA · Apr 17, 2018

Mr. President, today is tax day, 2 days later than April 15 actually, but nonetheless, today is tax day. I rise to speak about the impact of what we have done over the last 15 months to affect the…

Roger F. Wicker
Sen. Roger F. WickerR-MS · Apr 18, 2018

Mr. President, I wonder if my colleague will yield on that point. Mr. President, I appreciate the Senator from Alaska mentioning the broad base of support, and it occurs to me that this legislation…

Bill Nelson
Sen. Bill NelsonD-FL · Apr 18, 2018

Mr. President, before the Senator from New Jersey leaves the floor, I want to say, this Senator has run into few people who are as articulate and passionate to represent the least among us in our…

Mitch McConnell
Sen. Mitch McConnellR-KY · Apr 18, 2018

Mr. President, the Senate pays tribute this morning to a beloved American who passed away yesterday. To our 41st President, her lucky husband, Barbara Pierce Bush was a beloved wife and partner for…

Dan Sullivan
Sen. Dan SullivanR-AK · Apr 18, 2018

Mr. President, I want to say a few words--I know a number of my colleagues have--before I start my discussion on the very important Coast Guard bill we are debating on the floor. America lost a…

Show 11 more
Patrick J. Toomey
Sen. Patrick J. ToomeyR-PA · Apr 18, 2018

Mr. President, I want to briefly address an issue that has been raised in the context of the vote we will have later today. As you know, later today we will be using the Congressional Review Act to…

Charles E. Schumer
Sen. Charles E. SchumerD-NY · Apr 18, 2018

Mr. President, I ask unanimous consent that the order for the quorum call be rescinded. Mr. President, first, I send my heartfelt condolences to the Bush family on the passing of former First Lady…

John Thune
Sen. John ThuneR-SD · Apr 17, 2018

Mr. President, I ask unanimous consent that the order for the quorum call be rescinded. Mr. President, today is tax day, not typically a day of celebration for anyone, with maybe the exception of the…

Michael B. Enzi
Sen. Michael B. EnziR-WY · Jun 6, 2018

Mr. President, I wish to submit to the Senate the budget scorekeeping report for June 2018. The report compares current-law levels of spending and revenues with the amounts the Senate agreed to in…

Mike Crapo
Sen. Mike CrapoR-ID · Apr 18, 2018

Mr. President, in a few minutes, at noon, the Senate will begin the process of voting--two votes. The first of those votes will be a vote on a resolution brought to the Senate by Senator Moran and…

Michael B. Enzi
Sen. Michael B. EnziR-WY · Jul 18, 2018

Mr. President, I rise to submit to the Senate the budget scorekeeping report for July 2018. The report compares current-law levels of spending and revenues with the amounts the Senate agreed to in…

Bill Foster
Rep. Bill FosterD-IL-11 · May 8, 2018

Mr. Chairman, I thank the ranking member for yielding me time. I rise today in opposition to S.J. Res. 57, which provides for congressional disapproval of CFPB guidance on discrimination in the…

Lee M. Zeldin
Rep. Lee M. ZeldinR-NY-1 · May 8, 2018

Mr. Speaker, I thank the gentleman for yielding. I rise in strong support of this important resolution, S.J. Res. 57. I am the House sponsor of the companion legislation to this Congressional Review…

Lee M. Zeldin
Rep. Lee M. ZeldinR-NY-1 · May 8, 2018

Mr. Speaker, I rise in support of this rule for an important resolution, S.J. Res. 57. I proudly sponsor the House companion legislation to this Congressional Review Act resolution to repeal…

Jerry Moran
Sen. Jerry MoranR-KS · Apr 18, 2018

Mr. President, I ask unanimous consent that the order for the quorum call be rescinded. Mr. President, thank you very much. I come to the floor again today to visit a moment about S.J. Res. 57. It…

John Thune
Sen. John ThuneR-SD · Apr 18, 2018

Mr. President, I rise today to voice my strong support for the nomination of Congressman James ``Jim'' Bridenstine to be the next NASA Administrator. On November 1, 2017, the Senate Commerce,…

Bill Text

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One Hundred Fifteenth Congress of the United States of America

2d Session

Begun and held at the City of Washington on Wednesday, the third day of January, two thousand and eighteen

S. J. RES. 57

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 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.

Speaker of the House of Representatives

Vice President of the United States and President of the Senate