Senate bill targets CFPB rollback of debt fee limits
In committeeS.J.Res. 125Latest action
Sponsor: Angela D. Alsobrooks · Senator · MD
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Official title: A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Debt Collection Practices (Regulation F); Pay-to-Pay Fees".
119th Congress
Topics: Jobs & the economy
Introduced:
Read the official bill on Congress.govIn plain words
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Congress is voting to restore a 2022 rule that limits extra fees debt collectors charge people who pay by phone or online.
40-second read · 4 questions answered below
What does this do?
The CFPB issued a rule in 2022 to limit fees that debt collectors charge when people pay by phone or online instead of by mail. The CFPB withdrew that rule in 2025, removing those federal limits. This resolution would block that withdrawal and bring the 2022 rule back into effect.
Who does it affect?
People who owe debts and get charged extra fees for choosing certain payment methods are most directly affected. So are the debt collection companies that charge those fees.
Why does it matter?
If the resolution passes, the 2022 limits on payment fees would be restored and debt collectors would again face federal restrictions on those charges. If it does not pass, the CFPB's withdrawal stands and those fees remain unrestricted at the federal level.
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Where does it stand?
- IntroducedMar 17, 2026
- Senate committeeYou are here · Apr 29, 2026
- Senate vote
- House
- The president's desk
Right now: a Senate committee is reviewing it. If the House changes it, it goes back to the Senate before reaching the president.
Latest action: — Star Print ordered on the reported joint resolution.