H.R. 10184

Consumer Financial Protection Accountability and Reform Act of 2026

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I Reforming Bureau Governance

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

Section 1017 of the Consumer Financial Protection Act of 2010 (12 U.S.C. 5497) is amended—

(1) in subsection (a)—

(A) by amending the heading of such subsection to read as follows: Budget, financial management, and audit.—;

(B) by striking paragraphs (1), (2), and (3);

(C) by redesignating paragraphs (4) and (5) as paragraphs (1) and (2), respectively; and

(D) by striking subparagraphs (E) and (F) of paragraph (1), as so redesignated;

(2) by striking subsections (b) and (c);

(3) by redesignating subsections (d) and (e) as subsections (b) and (c), respectively; and

(4) in subsection (c), as so redesignated—

(A) by striking paragraphs (1), (2), and (3); and

(B) in paragraph (4), by striking (4) Annual report.—.

II Restoring Legal Clarity and Procedural Fairness

III Promoting Innovation in Consumer Financial Markets

IV Promoting Effective, Predictable Supervision

V Preventing Regulation by Enforcement