H.R. 10184 · In committee · Finance and Financial Sector

Consumer Financial Protection Accountability and Reform Act of 2026

What it does

Amends the Consumer Financial Protection Act to subject the Bureau to the regular congressional appropriations process instead of self-funding, requiring annual budget requests and appropriations.
Directs the Bureau to transfer excess amounts remaining in the Civil Penalty Fund after payment to direct victims to the general fund of the Treasury.
Requires the Bureau to publish detailed cost-benefit analyses with proposed rules, including identification of statutory authority, examination of market alternatives, quantitative and qualitative cost-benefit assessments, and distribution of regulatory burden.
Establishes asset thresholds for Bureau supervision of banks, savings associations, and credit unions, and permits covered institutions to elect supervision by their primary regulator instead.

Sep 16, 2026: Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 21.

Committee: House Financial Services