H.R. 10184

Consumer Financial Protection Accountability and Reform Act of 2026

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Text of the bill

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I Reforming Bureau Governance

II Restoring Legal Clarity and Procedural Fairness

III Promoting Innovation in Consumer Financial Markets

IV Promoting Effective, Predictable Supervision

V Preventing Regulation by Enforcement

Sec. 502. Limitations on market monitoring functions

The Consumer Financial Protection Act of 2010 (12 U.S.C. 5481 et seq.) is amended—

(1) in section 1022(c)(4)(C), by adding at the end the following: The Bureau may not use its authorities under this paragraph, or any information obtained pursuant to this paragraph, to initiate or in connection with any enforcement investigation or enforcement action, or to initiate or in connection with any supervisory examination. Information obtained from a covered person or service provider pursuant to this paragraph may not be made public by the Bureau.; and

(2) in section 1026(b), by striking , and to assess and detect risks to consumers and consumer financial markets.