Referred to the House Committee on Financial Services.
The bill amends the Consumer Financial Protection Act to add procedural limits and protections for recipients of Bureau of Consumer Financial Protection civil investigative demands (CIDs). Key changes: a six‑year timing limit, a specificity requirement for alleged conduct, a formal attorney Q&A process with required Bureau responses and possible extensions, confidential treatment of petition contents, expanded grounds to set aside demands (including undue burden and duplicative requests), and judicial review of denied petitions to modify or set aside CIDs.
Liberals: worry bill weakens CFPB enforcement effectiveness
Narrow, non‑fiscal procedural changes often clear House committees and floors more easily, but consumer‑protection opposition could reduce support.
The bill amends the Consumer Financial Protection Act to add procedural limits and protections for recipients of Bureau of Consumer Financial Protection civil investigative demands (CIDs).
Key changes: a six‑year timing limit, a specificity requirement for alleged conduct, a formal attorney Q&A process with required Bureau responses and possible extensions, confidential treatment of petition contents, expanded grounds to set aside demands (including undue burden and duplicative requests), and judicial review of denied petitions to modify or set aside CIDs.
Technically modest and administrable but politically contested; likely to pass more easily in the House than the Senate absent broader agreement.
How solid the drafting looks.
Liberals: worry bill weakens CFPB enforcement effectiveness
These are examples from the analysis, not a ranked list of the most-affected groups.
Liberals: worry bill weakens CFPB enforcement effectiveness
Likely skeptical of the bill because it strengthens procedural protections for CID targets and limits Bureau investigatory flexibility.
They will worry these changes could meaningfully slow or weaken enforcement of consumer financial laws and favor stronger consumer protections over added protections for regulated entities.
Will view the bill as a set of reasonable procedural clarifications that balance agency investigatory power and targets' due process rights.
Support will depend on safeguards to prevent excessive delay and preserve effective enforcement.
Will generally welcome the bill as necessary limits on CFPB investigatory overreach and as protections for businesses and individuals facing broad agency demands.
Sees judicial review and specificity requirements as accountability measures.
Reached or meaningfully advanced
Reached or meaningfully advanced
Still ahead
Still ahead
Still ahead
Technically modest and administrable but politically contested; likely to pass more easily in the House than the Senate absent broader agreement.
The bill has not accumulated any surfaced votes yet.
Liberals: worry bill weakens CFPB enforcement effectiveness
Technically modest and administrable but politically contested; likely to pass more easily in the House than the Senate absent broader agre…
Pro readers get the full perspective split, passage barriers, legislative design review, stakeholder impact map, and lens-based policy tradeoff analysis for Civil Investigative Demand Reform Act of 2025.
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