This bill would cancel a CFPB rule about medical information in credit reports and lending. The rule would have no legal effect. The bureau also generally could not issue a similar rule later unless Congress approved it.
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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)". is a House bill in committee. The latest recorded action: Referred to the House Committee on Financial Services.
Latest action on H.J.Res. 74: Referred to the House Committee on Financial Services.
Who this affects: This bill mainly affects people whose medical bills or health information could show up in credit reports or lending decisions. It also affects lenders and credit reporting companies that would have followed the CFPB rule. The Consumer Financial Protection Bureau would lose this rule and would face limits on writing a mostly similar one later.
Why this matters: This bill matters because medical bills and health information can affect a person’s ability to get credit. Canceling the rule could change how lenders and credit reporting companies handle that information. It would also limit the Consumer Financial Protection Bureau’s power in this area. The exact impact depends on the details of the canceled rule and on other federal and state laws that still apply.
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Officially: 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)".
This bill would cancel a CFPB rule about medical information in credit reports and lending. The rule would have no legal effect. The bureau also generally could not issue a similar rule later unless Congress approved it.
Use this page to support, oppose, or ask Congress to amend HJRES74. Modern Action explains 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)". in plain English, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in House Committee
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
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Where this bill is in the process
Introduced
Introduced in House
House Committee
Under House committee consideration
Latest: Referred to the House Committee on Financial Services. (3/6/2025)
House Floor Vote
Voted on by House
Passed House
Approved by House
Senate Review
Sent to Senate for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
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This page gives you an opportunity to support, oppose, or ask for changes to 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)"., then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it would do, where it is in the process (committee), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around HJRES74, your stance, and the reasons you choose, then lets you edit and send when ready.
