S. 1923 (119th)Bill Overview

CFPB Pay Fairness Act of 2025

Government Operations and Politics|Government Operations and Politics
Cosponsors
Support
Republican
Introduced
Jun 2, 2025
Discussions
Bill Text
Current stageCommittee

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Introduced
Committee
Floor
President
Law
Congressional Activities
01 · The brief
Plain-English summaryWhat this bill actually does

The bill amends the Consumer Financial Protection Act of 2010 to require that rates of basic pay for all Bureau of Consumer Financial Protection employees be set and adjusted by the Director in accordance with the General Schedule in 5 U.S.C. 5332. The change would replace the Bureau’s current pay-setting authority with the federal General Schedule framework.

Why people may split

Progressives emphasize harm to recruitment and enforcement capacity.

Watch point

Relative to its intended legislative type, this bill is a narrowly focused substantive amendment that is legally specific in mechanism and statutory placement but leaves out fiscal, transitional, and oversight detail.

The bill amends the Consumer Financial Protection Act of 2010 to require that rates of basic pay for all Bureau of Consumer Financial Protection employees be set and adjusted by the Director in accordance with the General Schedule in 5 U.S.C. 5332.

The change would replace the Bureau’s current pay-setting authority with the federal General Schedule framework.

The amendment takes effect 90 days after enactment.

Passage35/100

Content is narrow and low-cost so procedurally feasible, but potential partisan objections about curtailing agency pay flexibility limit prospects.

CredibilityPartially aligned

Relative to its intended legislative type, this bill is a narrowly focused substantive amendment that is legally specific in mechanism and statutory placement but leaves out fiscal, transitional, and oversight detail.

Contention50/100

Progressives emphasize harm to recruitment and enforcement capacity.

02 · What it does

Who stands to gain, and who may push back.

Likely benefits vs burdens50% / 50%
Federal agenciesLikely burdened

These are examples from the analysis, not a ranked list of the most-affected groups.

Likely helped
  • Federal agenciesAligns CFPB salaries with the standard federal General Schedule, increasing interagency pay parity.
  • Potential benefitReduces Director discretion over compensation, increasing standardized pay administration and external comparability.
  • Potential benefitMay produce long-term personnel cost savings if previous pay exceeded comparable GS rates.
Likely burdened
  • Potential burdenReduces CFPB flexibility to offer market-competitive salaries, potentially impairing recruitment efforts.
  • Potential burdenCould lead to loss or attrition of experienced staff if pay falls below prior levels.
  • Potential burdenConstrains the Bureau Director's autonomy, potentially affecting operational independence and management choices.
03 · Why people split

Why the argument around this bill splits.

Progressives emphasize harm to recruitment and enforcement capacity.
Progressive25%

Likely skeptical or opposed.

The persona would view the change as a constraint on the CFPB’s pay flexibility, potentially hindering recruitment and retention of specialized staff needed for consumer protection work.

Likely resistant
Centrist50%

Mixed view.

Sees merit in federal pay uniformity and predictability, but worries about operational impacts and wants data on costs, workforce effects, and transition planning.

Split reaction
Conservative75%

Generally supportive.

Views aligning CFPB pay with the General Schedule as increasing accountability, reducing perceived agency privilege, and controlling federal compensation growth.

Leans supportive
04 · Can it pass?

The path through Congress.

Introduced

Reached or meaningfully advanced

Committee

Reached or meaningfully advanced

Floor

Still ahead

President

Still ahead

Law

Still ahead

Passage likelihood35/100

Content is narrow and low-cost so procedurally feasible, but potential partisan objections about curtailing agency pay flexibility limit prospects.

Scope and complexity
24%
Scopenarrow
24%
Complexitylow
Why this could stall
  • No formal cost estimate or CBO score included
  • Positions of CFPB leadership and employee organizations unknown
05 · Recent votes

Recent votes on the bill.

No vote history yet

The bill has not accumulated any surfaced votes yet.

06 · Go deeper

Go deeper than the headline read.

Included on this page

Progressives emphasize harm to recruitment and enforcement capacity.

Content is narrow and low-cost so procedurally feasible, but potential partisan objections about curtailing agency pay flexibility limit pr…

Unlocked analysis

Relative to its intended legislative type, this bill is a narrowly focused substantive amendment that is legally specific in mechanism and statutory placement but leaves out fiscal, transitional, and oversight detail.

Go beyond the headline summary with full stakeholder mapping, legislative design analysis, passage barriers, and lens-by-lens tradeoff breakdowns.

Perspective breakdownsPassage barriersLegislative design reviewStakeholder impact map
Open full analysis