119th (2025–2027)
S.J.Res. 160
This joint resolution blocks the Consumer Financial Protection Bureau from withdrawing its 2023 rule against deceptive negative option marketing practices, commonly known as "negative option" scams where consumers are automatically charged recurring fees without clear consent. The rule, which was originally issued in January 2023, protects consumers from predatory practices like free trial offers that convert to paid subscriptions without explicit permission. The Bureau attempted to withdraw this consumer protection rule in May 2025, but this resolution prevents that withdrawal from taking effect, keeping the protections in place. If passed by both chambers of Congress, the resolution ensures the rule remains enforceable with no additional funding or implementation timeline needed, as it simply maintains an existing regulation.