SJRES 141 — Congress 119
A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt".
Official source: https://www.congress.gov/bill/119th-congress/senate-joint-resolution/141
Congress.gov subjects: Administrative law and regulatory procedures; Congressional oversight; Consumer Product Safety Commission; Debt collection; Finance and Financial Sector
Issues impacted: Regulation & Agency Oversight (ai, high), Healthcare (ai, high)
Official bill text (stored)
Plain-text extraction from Congress.gov text formats. Canonical source remains the official URL above. Full text is prioritized for bills with roll-call votes.
119 SJ 141 IS: Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to “Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt”. U.S. Senate 2026-03-19 text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. IIA 119th CONGRESS 2d Session S. J. RES. 141 IN THE SENATE OF THE UNITED STATES March 19, 2026 Mr. Warnock introduced the following joint resolution; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs JOINT RESOLUTION Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt . That Congress disapproves the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt (89 Fed. Reg. 80715 (October 4, 2024)) (90 Fed. Reg. 20084 (May 12, 2025)), and such rule shall have no force or effect.
Plain-English summary
Confidence: high · Complexity: simple · Model: grok-4.5
This is a simple up-or-down vote to cancel a federal agency move on medical debt collection. It uses the Congressional Review Act—the special fast-track tool that lets Congress wipe out a recent agency rule so it has no legal effect.
Here’s the chain in plain terms. The Consumer Financial Protection Bureau (the federal consumer-finance watchdog, often called the CFPB) had rules about debt-collection practices, including limits on deceptive or unfair collection of medical bills. Later the Bureau issued a rule that withdrew those medical-debt collection protections. This joint resolution says Congress disapproves that withdrawal. If it became law, the withdrawal would have no force or effect.
Who might notice? People dealing with hospital or doctor bills, medical providers, and debt collectors. The fight is over whether those medical-debt collection guardrails stay off the books or get pulled back into play by killing the withdrawal.
The text itself is short: it names the withdrawal rule and says Congress rejects it. It doesn’t rewrite the whole debt-collection code line by line—it just green-lights or blocks that one agency step.
Related issues
How a vote maps to positions
Impartial mapping: which issue position a Yea vs Nay advances. When a bill has multiple floor votes, each roll can have its own mapping. Bill-level entries (no roll listed) apply as a default when a roll has no specific map. Used for legislator alignment.
All rolls (bill default)
| Issue | Yea advances | Nay advances | Note |
|---|---|---|---|
| Regulation & Agency Oversight | Disapprove or nullify agency rules | Preserve agency rules and standards | Yea uses a CRA-style joint resolution to strip force and effect from the CFPB’s withdrawal rule; Nay leaves that agency withdrawal in effect. |
| Healthcare | Coverage expansion and public programs | Status quo / reject this change | Residual review entry (A joint resolution providing for congressional disapproval under chapter 8 of ti). Yea advances the measure's primary change on healthcare; Nay prefers the prior status quo. |