119th Congress · introduced in the House · Feb 27, 2025
Civil Investigative Demand Reform Act of 2025
Official title from Congress.gov
Latest action (Sep 16, 2026): Ordered to be Reported (Amended) by the Yeas and Nays: 29 - 20.
View on Congress.govPolicy area: Finance and Financial Sector
Congressional Research Service summary, version: Introduced in House (Feb 27, 2025)
Civil Investigative Demand Reform Act of 2025
This bill revises the Consumer Financial Protection Bureau’s (CFPB’s) civil investigative demand process. The demand process is used to gather information relevant to a violation of consumer financial law before formal proceedings.
Under the bill, such demands must be issued and served no later than six years after the date of the violation. The demand must also provide specific reference to particular facts regarding the violation.
The bill establishes a process that allows an advising attorney to submit questions on behalf of a person compelled by a demand to appear for oral testimony.
The bill also allows for judicial review if the CFPB denies a petition to set aside or modify a demand. These petitions must be treated as confidential.
In addition, the bill expands the grounds on which a petitioner may seek relief from such a demand to include a demonstration that the demand (1) is unduly burdensome, expensive, and outside the scope of the inquiry; (2) is unreasonably cumulative or duplicative; or (3) can be obtained from some other source that is more convenient, less burdensome, or less expensive.
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.
Ordered to be Reported (Amended) by the Yeas and Nays: 29 - 20.
Committee Consideration and Mark-up Session Held
Referred to the House Committee on Financial Services.
Introduced in House
Introduced in House
Actions from Congress.gov, newest first.
Administrative remedies · Business records · Civil actions and liability · Consumer affairs · Consumer Financial Protection Bureau · Government studies and investigations · Lawyers and legal services · Right of privacy
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.
35 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
H.R. 654TABS Act H.R. 10184 Consumer Financial Protection Accountability and Reform Act of 2026 H.R.1653Civil Investigative Demand Reform Act of 2025 H.R. 1652Rectifying UDAAP Act H.R.2183CFPB Dual Mandate and Economic Analysis Act H.R. 2331Transparency in CFPB Co…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Consumer Issues/Safety/Products
$3,100,000
Spent on own lobbying
…o protect consumers from online scams H.R. 5775, the FCRA Liability Harmonization Act H.R. 2978, Guarding Unprotected Aging Retirees from Deception (GUARD Act) H.R. 1653, Civil Investigative Demand Reform Act of 2025 H.R. 10184, Consumer Financial Protection Accountability and Reform Act of 2026
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
MORTGAGE BANKERS ASSOCIATION · lobbying firm or registrant: MORTGAGE BANKERS ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$840,000
Spent on own lobbying
H.R. 8141Fair Credit Reporting Reseller Accuracy Act H.R. 10184Consumer Financial Protection Accountability and Reform Act of 2026 H.R. 1653Civil Investigative Demand (CID) Reform Act of 2025 H.R. 3230Financial Institution Regulatory Tailoring Enhancement Act H.R. 9761071 Repeal to Protect Small Bus…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
INFIN, A FINANCIAL SERVICES ALLIANCE (F/K/A FINANCIAL SERVICE CENTERS AMERICA) · lobbying firm or registrant: HUDSON COOK, LLP
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$50,000
Paid to lobbying firm
…procedure for issuance and prosecution of Civil Investigative Demands by the Consumer Financial Protection Bureau, and for other purposes. Legislative proposal H.R. 1653 (Barr/Gonzalez) "Civil Investigative Demand Reform Act of 2025", to reform the process and procedure for issuance and prosecution of Civil Investigative Demand…
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
NATIONAL TREASURY EMPLOYEES UNION · lobbying firm or registrant: NATIONAL TREASURY EMPLOYEES UNION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 19, 2026 · issue area: Government Issues
$310,000
Spent on own lobbying
…. 1571, Bureaucratic Labor Adjustment and Downsizing Effort Act H.R. 1603, Repeal CFPB Act H.R. 1637, Protect Veteran Jobs Act S. 914, Protect Veteran Jobs Act H.R. 1653, Civil Investigative Demand Reform Act of 2025 H.R. 1807, Protecting Federal Agencies and Employees from Political Interference Act H.R. 1835, MERIT Act S. 107…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
INFIN A FINANCIAL SERVICES ALLIANCE · lobbying firm or registrant: CROSSROADS STRATEGIES, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 19, 2026 · issue area: Financial Institutions/Investments/Securities
$60,000
Paid to lobbying firm
…d auto title lending, and regulatory process; Consumer Financial Protection Commission Act (draft); FinCEN Geographic Targeting Order for the Southwest Border; H.R.1653, Civil Investigative Demand Reform Act of 2025; H.R.1652, Rectifying UDAAP Act; H.R.654, TABS Act of 2025.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 14, 2026 · issue area: Banking
$1,060,000
Spent on own lobbying
…ent 3776) Support Taking Account of Bureaucrats Spending Act (H.R. 654) Support Rectifying UDAAP Act (H.R. 1652) Support Civil Investigative Demand Reform Act (H.R. 1653) Support SECURE Notarization Act (H.R. 1777; S. 1561) Support Increasing Credit Union Lending for Business Growth Act (H.R. 1791) Support Financial Reporting T…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
H.R. 654TABS Act H.R.1653Civil Investigative Demand Reform Act of 2025 H.R. 1652Rectifying UDAAP Act H.R.2183CFPB Dual Mandate and Economic Analysis Act H.R. 2331Transparency in CFPB Co…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
INFIN A FINANCIAL SERVICES ALLIANCE · lobbying firm or registrant: CROSSROADS STRATEGIES, LLC
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 19, 2026 · issue area: Financial Institutions/Investments/Securities
$60,000
Paid to lobbying firm
…d auto title lending, and regulatory process; Consumer Financial Protection Commission Act (draft); FinCEN Geographic Targeting Order for the Southwest Border; H.R.1653, Civil Investigative Demand Reform Act of 2025; H.R.1652, Rectifying UDAAP Act; H.R.654, TABS Act of 2025.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 17, 2026 · issue area: Banking
$1,290,000
Spent on own lobbying
…ent 3776) Support Taking Account of Bureaucrats Spending Act (H.R. 654) Support Rectifying UDAAP Act (H.R. 1652) Support Civil Investigative Demand Reform Act (H.R. 1653) Support SECURE Notarization Act (H.R. 1777; S. 1561) Support Increasing Credit Union Lending for Business Growth Act (H.R. 1791) Support Financial Reporting T…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
INFIN, A FINANCIAL SERVICES ALLIANCE (F/K/A FINANCIAL SERVICE CENTERS AMERICA) · lobbying firm or registrant: HUDSON COOK, LLP
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 16, 2026 · issue area: Financial Institutions/Investments/Securities
$50,000
Paid to lobbying firm
…procedure for issuance and prosecution of Civil Investigative Demands by the Consumer Financial Protection Bureau, and for other purposes. Legislative proposal H.R. 1653 (Barr/Gonzalez) "Civil Investigative Demand Reform Act of 2025", to reform the process and procedure for issuance and prosecution of Civil Investigative Demand…
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
INFIN, A FINANCIAL SERVICES ALLIANCE (F/K/A FINANCIAL SERVICE CENTERS AMERICA) · lobbying firm or registrant: HUDSON COOK, LLP
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Financial Institutions/Investments/Securities
$50,000
Paid to lobbying firm
…procedure for issuance and prosecution of Civil Investigative Demands by the Consumer Financial Protection Bureau, and for other purposes. Legislative proposal H.R. 1653 (Barr/Gonzalez) "Civil Investigative Demand Reform Act of 2025", to reform the process and procedure for issuance and prosecution of Civil Investigative Demand…
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
H.R. 654TABS Act H.R.1653Civil Investigative Demand Reform Act of 2025 H.R. 1652Rectifying UDAAP Act H.R.2183CFPB Dual Mandate and Economic Analysis Act H.R. 2331Transparency in CFPB Co…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
INFIN A FINANCIAL SERVICES ALLIANCE · lobbying firm or registrant: CROSSROADS STRATEGIES, LLC
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Financial Institutions/Investments/Securities
$60,000
Paid to lobbying firm
…d auto title lending, and regulatory process; Consumer Financial Protection Commission Act (draft); FinCEN Geographic Targeting Order for the Southwest Border; H.R.1653, Civil Investigative Demand Reform Act of 2025; H.R.1652, Rectifying UDAAP Act; H.R.654, TABS Act of 2025.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 14, 2026 · issue area: Banking
$1,130,000
Spent on own lobbying
…ent 3776) Support Taking Account of Bureaucrats Spending Act (H.R. 654) Support Rectifying UDAAP Act (H.R. 1652) Support Civil Investigative Demand Reform Act (H.R. 1653) Support SECURE Notarization Act (H.R. 1777; S. 1561) Support Increasing Credit Union Lending for Business Growth Act (H.R. 1791) Support Financial Reporting T…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
INFIN, A FINANCIAL SERVICES ALLIANCE (F/K/A FINANCIAL SERVICE CENTERS AMERICA) · lobbying firm or registrant: HUDSON COOK, LLP
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Jan 20, 2026 · issue area: Financial Institutions/Investments/Securities
$50,000
Paid to lobbying firm
…procedure for issuance and prosecution of Civil Investigative Demands by the Consumer Financial Protection Bureau, and for other purposes. Legislative proposal H.R. 1653 (Barr/Gonzalez) "Civil Investigative Demand Reform Act of 2025", to reform the process and procedure for issuance and prosecution of Civil Investigative Demand…
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
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Jan 19, 2026 · issue area: Consumer Issues/Safety/Products
$140,000
Spent on own lobbying
H.R. 654TABS Act H.R.1653Civil Investigative Demand Reform Act of 2025 H.R. 1652Rectifying UDAAP Act H.R.2183CFPB Dual Mandate and Economic Analysis Act H.R. 2331Transparency in CFPB Co…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
INFIN A FINANCIAL SERVICES ALLIANCE · lobbying firm or registrant: CROSSROADS STRATEGIES, LLC
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Jan 19, 2026 · issue area: Financial Institutions/Investments/Securities
$60,000
Paid to lobbying firm
…d auto title lending, and regulatory process; Consumer Financial Protection Commission Act (draft); FinCEN Geographic Targeting Order for the Southwest Border; H.R.1653, Civil Investigative Demand Reform Act of 2025; H.R.1652, Rectifying UDAAP Act; H.R.654, TABS Act of 2025.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Jan 12, 2026 · issue area: Banking
$1,060,000
Spent on own lobbying
…ent 3776) Support Taking Account of Bureaucrats Spending Act (H.R. 654) Support Rectifying UDAAP Act (H.R. 1652) Support Civil Investigative Demand Reform Act (H.R. 1653) Support SECURE Notarization Act (H.R. 1777; S. 1561) Support Increasing Credit Union Lending for Business Growth Act (H.R. 1791) Support Financial Reporting T…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
INFIN, A FINANCIAL SERVICES ALLIANCE (F/K/A FINANCIAL SERVICE CENTERS AMERICA) · lobbying firm or registrant: HUDSON COOK, LLP
2025 Q3 report (Jul 1, 2025 – Sep 30, 2025) · posted Oct 19, 2025 · issue area: Financial Institutions/Investments/Securities
$50,000
Paid to lobbying firm
…procedure for issuance and prosecution of Civil Investigative Demands by the Consumer Financial Protection Bureau, and for other purposes. Legislative proposal H.R. 1653 (Barr/Gonzalez) "Civil Investigative Demand Reform Act of 2025", to reform the process and procedure for issuance and prosecution of Civil Investigative Demand…
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
INFIN A FINANCIAL SERVICES ALLIANCE · lobbying firm or registrant: CROSSROADS STRATEGIES, LLC
2025 Q3 report (Jul 1, 2025 – Sep 30, 2025) · posted Oct 19, 2025 · issue area: Financial Institutions/Investments/Securities
$60,000
Paid to lobbying firm
…d auto title lending, and regulatory process; Consumer Financial Protection Commission Act (draft); FinCEN Geographic Targeting Order for the Southwest Border; H.R.1653, Civil Investigative Demand Reform Act of 2025; H.R.1652, Rectifying UDAAP Act; H.R.654, TABS Act of 2025; H.R.1, One Big Beautiful Bill Act (P.L.119-21).
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
2025 Q3 report (Jul 1, 2025 – Sep 30, 2025) · posted Oct 15, 2025 · issue area: Consumer Issues/Safety/Products
$220,000
Spent on own lobbying
H.R. 654TABS Act H.R.1653Civil Investigative Demand Reform Act of 2025 H.R. 1652Rectifying UDAAP Act H.R.2183CFPB Dual Mandate and Economic Analysis Act H.R. 2331Transparency in CFPB Co…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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 Q3 report (Jul 1, 2025 – Sep 30, 2025) · posted Oct 14, 2025 · issue area: Banking
$1,070,000
Spent on own lobbying
…ent 3776) Support Taking Account of Bureaucrats Spending Act (H.R. 654) Support Rectifying UDAAP Act (H.R. 1652) Support Civil Investigative Demand Reform Act (H.R. 1653) Support SECURE Notarization Act (H.R. 1777; S. 1561) Support Increasing Credit Union Lending for Business Growth Act (H.R. 1791) Support Financial Reporting T…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
2025 Q1 report (Jan 1, 2025 – Mar 31, 2025) · amended · posted Sep 19, 2025 · issue area: Consumer Issues/Safety/Products
$200,000
Spent on own lobbying
H.R. 654TABS Act H.R.1653Civil Investigative Demand Reform Act of 2025 H.R. 1652Rectifying UDAAP Act H.R.2183CFPB Dual Mandate and Economic Analysis Act H.R. 2331Transparency in CFPB Co…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
…t Transparency in CFPB Cost-Benefit Analysis Act H.R. 1606, the Making the CFPB Accountable to Small Businesses Act of 2025 H.R. 1652, the Rectifying UDAAP Act H.R. 1653, the Civil Investigative Demand Reform Act of 2025
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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