Consumer Financial Protection Accountability and Reform Act of 2026
The source supplies the latest action, but no lifecycle stage.
Latest action (16 Sep 2026): Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 21.
What this bill does
H.R. 10184, the Consumer Financial Protection Accountability and Reform Act of 2026, would make broad changes to how the Bureau of Consumer Financial Protection (CFPB) is funded, governed, and regulates. It would move the Bureau off its current independent funding source and into the regular congressional appropriations process, alter handling of its Civil Penalty Fund, require more detailed cost-benefit and small-business-impact analysis in rulemaking, create a new periodic review process for major and non-major rules led by the Office of Management and Budget, and establish a separate, Senate-confirmed Inspector General dedicated to the Bureau. Additional titles address legal standards for "unfair, deceptive, or abusive" practices, statutes of limitations, court oversight of litigation, treatment of state-regulated insurance entities, small-dollar credit and earned-wage-access products, supervisory asset thresholds for banks and credit unions, coordination among regulators, civil penalties, and consumer complaint handling.
The bill would primarily affect the CFPB itself, financial institutions and nonbanks it supervises (including small businesses, small-dollar lenders, and earned-wage-access providers), other federal regulators such as the Federal Reserve, OCC, FDIC, and FTC, and ultimately consumers who use regulated financial products, by changing how rules affecting them are written, reviewed, and enforced.
The bill was introduced August 31, 2026, and referred to the House Financial Services Committee, along with the Judiciary, Small Business, and Oversight and Government Reform Committees. It has not yet been voted on and would need committee action and House and Senate passage, plus presidential signature, to become law.
Plain-English summary generated by Bill100 AI from the official record. Always verify against the source below.
Timeline
16 Sep 2026
Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 21.
Common questions
- What does H.R. 10184 do?
- H.R. 10184, the Consumer Financial Protection Accountability and Reform Act of 2026, would make broad changes to how the Bureau of Consumer Financial Protection (CFPB) is funded, governed, and regulates. It would move the Bureau off its current independent funding source and into the regular congressional appropriations process, alter handling of its Civil Penalty Fund, require more detailed cost-benefit and small-business-impact analysis in rulemaking, create a new periodic review process for major and non-major rules led by the Office of Management and Budget, and establish a separate, Senate-confirmed Inspector General dedicated to the Bureau. Additional titles address legal standards for "unfair, deceptive, or abusive" practices, statutes of limitations, court oversight of litigation, treatment of state-regulated insurance entities, small-dollar credit and earned-wage-access products, supervisory asset thresholds for banks and credit unions, coordination among regulators, civil penalties, and consumer complaint handling. The bill would primarily affect the CFPB itself, financial institutions and nonbanks it supervises (including small businesses, small-dollar lenders, and earned-wage-access providers), other federal regulators such as the Federal Reserve, OCC, FDIC, and FTC, and ultimately consumers who use regulated financial products, by changing how rules affecting them are written, reviewed, and enforced. The bill was introduced August 31, 2026, and referred to the House Financial Services Committee, along with the Judiciary, Small Business, and Oversight and Government Reform Committees. It has not yet been voted on and would need committee action and House and Senate passage, plus presidential signature, to become law.
- Has H.R. 10184 become law?
- The source does not supply a confirmed lifecycle stage for H.R. 10184. Check the latest action and official source below.
- Who sponsored H.R. 10184?
- H.R. 10184 was sponsored by Rep. Barr, Andy [R-KY-6] (R-KY), with 30 cosponsors.
- What's the latest action on H.R. 10184?
- Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 21. (16 Sep 2026).
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