H.R. 10184

Consumer Financial Protection Accountability and Reform Act of 2026

30 cosponsors

Where it stands

Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 21. (Sep 16)

No roll-call votes yet.

No official summary yet.

Sec. 1. Short title; table of contents

I Reforming Bureau Governance

Sec. 101. Bringing the Bureau into the regular appropriations process

Sec. 102. Consumer Financial Civil Penalty Fund

Sec. 103. Transparency in cost-benefit analysis

Sec. 104. Accountability to small businesses

Sec. 105. Modernizing regulatory reviews

Sec. 106. Bureau of Consumer Financial Protection-Inspector General Reform

II Restoring Legal Clarity and Procedural Fairness

Sec. 201. Rectifying undefined descriptions of abusive acts and practices

Sec. 202. Limitation on use of unfair, deceptive, or abusive acts or practices authority to circumvent statutes of limitations

Sec. 203. Definition of substantial injury

Sec. 204. Restoring court authority over litigation

Sec. 205. Clarification to the authority of the Bureau with respect to persons regulated by a State insurance regulator

III Promoting Innovation in Consumer Financial Markets

Sec. 301. Safe harbor for small-dollar credit products

Sec. 302. Guidance clarity statement required

Sec. 303. GAO study on buy now pay later services

Sec. 304. Earned wage access services

IV Promoting Effective, Predictable Supervision

Sec. 401. Asset thresholds for supervision of banks, savings associations, and credit unions by the Bureau of Consumer Financial Protection

Sec. 402. Supervisory election for covered institutions

Sec. 403. Financial regulatory coordination and accountability

Sec. 404. Reforms to nonbank supervision

V Preventing Regulation by Enforcement

Sec. 501. Civil Money Penalties

Sec. 502. Limitations on market monitoring functions

Sec. 503. Enforcement powers of the States

Sec. 504. Indexing of asset-based thresholds in regulations

Sec. 505. Collecting and tracking complaints

Sec. 506. Enhancements to small business loan privacy