119th Congress · introduced in the House · Mar 6, 2025
Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)".
Official title from Congress.gov
Latest action (Mar 6, 2025): Referred to the House Committee on Financial Services.
View on Congress.govPolicy area: Finance and Financial Sector
Congressional Research Service summary, version: Introduced in House (Mar 6, 2025)
This joint resolution nullifies the final rule issued by the Consumer Financial Protection Bureau titled Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V) and published on January 14, 2025. This rule prohibits the inclusion of medical debt on credit reports and prohibits creditors from considering medical debt when making credit eligibility determinations.
Includes amendment, cloture, and procedural votes. Each is labeled with its exact question; only a passage question is a vote to pass the bill.
No recorded roll calls on this bill in coverage.
Referred to the House Committee on Financial Services.
Introduced in House
Introduced in House
Actions from Congress.gov, newest first.
LD-2 reports whose issue descriptions explicitly cite this bill (bill type and number validated against Congress.gov records). A citation does not establish the client's position or any contact with a member.
Loading lobbying reportsCoverage: reports for 2025 onward, posted Jan 1, 2025 through Oct 24, 2026.
29 citations; showing the 25 most recently posted.
ACA INTERNATIONAL · lobbying firm or registrant: ACA INTERNATIONAL
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Consumer Issues/Safety/Products
$190,000
Spent on own lobbying
…PB Dual Mandate and Economic Analysis Act H.R. 2331Transparency in CFPB Cost-Benefit Analysis Act H.R.306 and S. 4144 The Ending Scam Credit Repair (ESCRA) Act H.J.Res.74 and S. J. Res 36Medical Debt CRA S. 4622 Protecting Americans from Treatment-related Credit Harm Act Issues related to credit reporting Issues related to medic…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CHAMBER OF COMMERCE OF THE U.S.A. · lobbying firm or registrant: CHAMBER OF COMMERCE OF THE U.S.A.
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$16,480,000
Spent on own lobbying
…ted by the Bureau of Consumer Financial Protection relating to "Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications" H.J. Res. 74/S.J. Res. 36, Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Prohibition on Creditors and Consumer Reporting Agenc…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
ACA INTERNATIONAL · lobbying firm or registrant: ACA INTERNATIONAL
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 21, 2026 · issue area: Consumer Issues/Safety/Products
$160,000
Spent on own lobbying
…PB Dual Mandate and Economic Analysis Act H.R. 2331Transparency in CFPB Cost-Benefit Analysis Act H.R.306 and S. 4144 The Ending Scam Credit Repair (ESCRA) Act H.J.Res.74 and S. J. Res 36Medical Debt CRA S. 4622 Protecting Americans from Treatment-related Credit Harm Act Issues related to credit reporting Issues related to medic…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CHAMBER OF COMMERCE OF THE U.S.A. · lobbying firm or registrant: CHAMBER OF COMMERCE OF THE U.S.A.
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Banking
$16,950,000
Spent on own lobbying
…ted by the Bureau of Consumer Financial Protection relating to "Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications" H.J. Res. 74/S.J. Res. 36, Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Prohibition on Creditors and Consumer Reporting Agenc…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CHAMBER OF COMMERCE OF THE U.S.A. · lobbying firm or registrant: CHAMBER OF COMMERCE OF THE U.S.A.
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · amended · posted Jul 14, 2026 · issue area: Banking
$19,750,000
Spent on own lobbying
…ted by the Bureau of Consumer Financial Protection relating to "Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications" H.J. Res. 74/S.J. Res. 36, Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Prohibition on Creditors and Consumer Reporting Agenc…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
ACA INTERNATIONAL · lobbying firm or registrant: ACA INTERNATIONAL
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Consumer Issues/Safety/Products
$180,000
Spent on own lobbying
…PB Dual Mandate and Economic Analysis Act H.R. 2331Transparency in CFPB Cost-Benefit Analysis Act H.R.306 and S. 4144 The Ending Scam Credit Repair (ESCRA) Act H.J.Res.74 and S. J. Res 36Medical Debt CRA Issues related to credit reporting Issues related to medical debt Issues related to the CFPB complaint database
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CHAMBER OF COMMERCE OF THE U.S.A. · lobbying firm or registrant: CHAMBER OF COMMERCE OF THE U.S.A.
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Jan 20, 2026 · issue area: Banking
$17,960,000
Spent on own lobbying
…ted by the Bureau of Consumer Financial Protection relating to "Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications" H.J. Res.74/S.J. Res.36, Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Prohibition on Creditors and Consumer Reporting Agenci…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
BLOCKCHAIN ASSOCIATION · lobbying firm or registrant: GOLDSTEIN POLICY SOLUTIONS LLC
2025 Q3 report (Jul 1, 2025 – Sep 30, 2025) · posted Oct 20, 2025 · issue area: Financial Institutions/Investments/Securities
$50,000
Paid to lobbying firm
H.J. Res 74/S.J. Res 36. Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Prohibition on Creditors and Consumer Reporting Agenci…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CHAMBER OF COMMERCE OF THE U.S.A. · lobbying firm or registrant: CHAMBER OF COMMERCE OF THE U.S.A.
2025 Q3 report (Jul 1, 2025 – Sep 30, 2025) · posted Oct 20, 2025 · issue area: Banking
$13,650,000
Spent on own lobbying
…ted by the Bureau of Consumer Financial Protection relating to "Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications" H.J. Res. 74/S.J. Res. 36, Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Prohibition on Creditors and Consumer Reporting Agenc…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN BANKERS ASSOCIATION · lobbying firm or registrant: AMERICAN BANKERS ASSOCIATION
2025 Q3 report (Jul 1, 2025 – Sep 30, 2025) · posted Oct 20, 2025 · issue area: Banking
$2,170,000
Spent on own lobbying
H.R. 478/S. 113, Promoting New Bank Formation Act S. 875/H.R. 2702, Financial Integrity and Regulation Management (FIRM) Act S.J. Res. 36/H.J. Res. 74, the resolution to disapproval of the Consumer Financial Protection Bureaus (CFPB) rule prohibiting medical debt information from being reported or used by cre…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
UNITED STATES CHAMBER OF COMMERCE/CENTER FOR CAPITAL MARKETS COMPETITIVENESS · lobbying firm or registrant: FEDERAL HALL POLICY ADVISORS, LLC
2025 Q3 report (Jul 1, 2025 – Sep 30, 2025) · posted Oct 20, 2025 · issue area: Financial Institutions/Investments/Securities
$30,000
Paid to lobbying firm
…g; electronic delivery of SEC disclosure documents. CFPB rule entitled Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information; H.J. Res 74; S.J. Res 36.
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
EQUIFAX INC. · lobbying firm or registrant: THORN RUN PARTNERS
2025 Q3 report (Jul 1, 2025 – Sep 30, 2025) · posted Oct 20, 2025 · issue area: Financial Institutions/Investments/Securities
$70,000
Paid to lobbying firm
Issues related to credit reporting agencies. H.J. Res 74 / S. J. Res 36 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
EXPERIAN NORTH AMERICA · lobbying firm or registrant: EXPERIAN NORTH AMERICA
2025 Q3 report (Jul 1, 2025 – Sep 30, 2025) · posted Oct 20, 2025 · issue area: Financial Institutions/Investments/Securities
$360,000
Spent on own lobbying
…s pertaining to credit reporting, monitoring, and scoring; including H.R. 2808, S. 1467, S. 1465, H.R. 3418 (2023-2024 bill number), H.R. 306, S.J. Res 36, and H.J. Res 74.
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICANS FOR FINANCIAL REFORM · lobbying firm or registrant: AMERICANS FOR FINANCIAL REFORM
2025 Q2 report (Apr 1, 2025 – Jun 30, 2025) · posted Jul 22, 2025 · issue area: Consumer Issues/Safety/Products
$150,000
Spent on own lobbying
…ed by the Bureau of Consumer Financial Protection relating to "Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications". H.J.Res 74 Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to Prohibition on Creditors and Consumer Reporting Agencies Concerning…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
UNITED STATES CHAMBER OF COMMERCE/CENTER FOR CAPITAL MARKETS COMPETITIVENESS · lobbying firm or registrant: FEDERAL HALL POLICY ADVISORS, LLC
2025 Q2 report (Apr 1, 2025 – Jun 30, 2025) · posted Jul 21, 2025 · issue area: Financial Institutions/Investments/Securities
$30,000
Paid to lobbying firm
…g; electronic delivery of SEC disclosure documents. CFPB rule entitled Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information; H.J. Res 74; S.J. Res 36.
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CHAMBER OF COMMERCE OF THE U.S.A. · lobbying firm or registrant: CHAMBER OF COMMERCE OF THE U.S.A.
2025 Q2 report (Apr 1, 2025 – Jun 30, 2025) · posted Jul 21, 2025 · issue area: Banking
$19,340,000
Spent on own lobbying
…ted by the Bureau of Consumer Financial Protection relating to "Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications" H.J. Res. 74/S.J. Res. 36, Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Prohibition on Creditors and Consumer Reporting Agenc…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
TRANS UNION LLC · lobbying firm or registrant: TRANS UNION LLC
2025 Q2 report (Apr 1, 2025 – Jun 30, 2025) · posted Jul 21, 2025 · issue area: Banking
$600,000
Spent on own lobbying
S.J.Res.36, H.J. Res 74 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Fi…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN BANKERS ASSOCIATION · lobbying firm or registrant: AMERICAN BANKERS ASSOCIATION
2025 Q2 report (Apr 1, 2025 – Jun 30, 2025) · posted Jul 21, 2025 · issue area: Banking
$1,960,000
Spent on own lobbying
H.R. 478/S. 113, Promoting New Bank Formation Act S. 875/H.R. 2702, Financial Integrity and Regulation Management (FIRM) Act S.J. Res. 36/H.J. Res. 74, the resolution to disapproval of the Consumer Financial Protection Bureaus (CFPB) rule prohibiting medical debt information from being reported or used by cre…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
EQUIFAX INC. · lobbying firm or registrant: THORN RUN PARTNERS
2025 Q2 report (Apr 1, 2025 – Jun 30, 2025) · posted Jul 16, 2025 · issue area: Financial Institutions/Investments/Securities
$50,000
Paid to lobbying firm
Issues related to credit reporting agencies. H.J. Res 74 / S. J. Res 36 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
EXPERIAN NORTH AMERICA · lobbying firm or registrant: EXPERIAN NORTH AMERICA
2025 Q2 report (Apr 1, 2025 – Jun 30, 2025) · posted Jul 16, 2025 · issue area: Financial Institutions/Investments/Securities
$360,000
Spent on own lobbying
…s pertaining to credit reporting, monitoring, and scoring; including H.R. 2808, S. 1467, S. 1465, H.R. 3418 (2023-2024 bill number), H.R. 306, S.J. Res 36, and H.J. Res 74.
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA · lobbying firm or registrant: AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICAS CREDIT UNIONS
2025 Q2 report (Apr 1, 2025 – Jun 30, 2025) · posted Jul 11, 2025 · issue area: Banking
$1,170,000
Spent on own lobbying
…of disapproval of the CFPB overdraft rule (H.J.Res. 59; S.J.Res. 18) Support Congressional Review Act resolution of disapproval of the CFPB medical debt rule (H.J.Res. 74; S.J.Res. 36) Oppose 10 Percent Credit Card Interest Rate Cap Act (H.R. 1944; S. 381; Senate Amendment 2239) Oppose Credit Card Competition Act (Senate Amendme…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICANS FOR FINANCIAL REFORM · lobbying firm or registrant: AMERICANS FOR FINANCIAL REFORM
2025 Q1 report (Jan 1, 2025 – Mar 31, 2025) · posted Apr 25, 2025 · issue area: Consumer Issues/Safety/Products
$150,000
Spent on own lobbying
…ed by the Bureau of Consumer Financial Protection relating to "Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications". H.J.Res 74 Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to Prohibition on Creditors and Consumer Reporting Agencies Concerning…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN BANKERS ASSOCIATION · lobbying firm or registrant: AMERICAN BANKERS ASSOCIATION
2025 Q1 report (Jan 1, 2025 – Mar 31, 2025) · posted Apr 21, 2025 · issue area: Banking
$1,730,000
Spent on own lobbying
H.R. 478/S. 113, Promoting New Bank Formation Act S. 875/H.R. 2702, Financial Integrity and Regulation Management (FIRM) Act S.J. Res. 36/H.J. Res. 74, the resolution to disapproval of the Consumer Financial Protection Bureaus (CFPB) rule prohibiting medical debt information from being reported or used by cre…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CHAMBER OF COMMERCE OF THE U.S.A. · lobbying firm or registrant: CHAMBER OF COMMERCE OF THE U.S.A.
2025 Q1 report (Jan 1, 2025 – Mar 31, 2025) · posted Apr 21, 2025 · issue area: Banking
$19,340,000
Spent on own lobbying
…ted by the Bureau of Consumer Financial Protection relating to "Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications" H.J.Res. 74/S.J.Res. 36, Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Prohibition on Creditors and Consumer Reporting Agenci…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
UNITED STATES CHAMBER OF COMMERCE/CENTER FOR CAPITAL MARKETS COMPETITIVENESS · lobbying firm or registrant: FEDERAL HALL POLICY ADVISORS, LLC
2025 Q1 report (Jan 1, 2025 – Mar 31, 2025) · amended · posted Apr 18, 2025 · issue area: Financial Institutions/Investments/Securities
$30,000
Paid to lobbying firm
…g; electronic delivery of SEC disclosure documents. CFPB rule entitled Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information; H.J. Res 74; S.J. Res 36.
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing