H.R. 10184

Consumer Financial Protection Accountability and Reform Act of 2026

Sponsor: Andy Barr

30 cosponsors
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I Reforming Bureau Governance

Sec. 102. Consumer Financial Civil Penalty Fund

Subsection (b) of section 1017 of the Consumer Financial Protection Act of 2010 (12 U.S.C. 5497), as so redesignated by section 101(3), is amended—

(1) in paragraph (2)—

(A) in the first sentence, by inserting direct before victims; and

(B) by striking the second sentence; and

(2) by adding at the end the following:

Text this section adds to the law

(3) Treatment of excess amounts. With respect to a civil penalty described under paragraph (1), if the Bureau makes payments to all of the direct victims of activities for which that civil penalty was imposed, the Bureau shall transfer all amounts that remain in the Civil Penalty Fund with respect to that civil penalty to the general fund of the Treasury.

II Restoring Legal Clarity and Procedural Fairness

III Promoting Innovation in Consumer Financial Markets

IV Promoting Effective, Predictable Supervision

V Preventing Regulation by Enforcement