119th (2025–2027)
H.J.Res. 162
This joint resolution uses Congress's power to block federal regulations to disapprove of the Consumer Financial Protection Bureau's decision to withdraw consumer protections for home sales financed through contracts for deed. Contracts for deed are alternative financing arrangements where a seller finances the property directly rather than using a traditional bank mortgage, and the withdrawn rule had required lenders to follow Truth in Lending disclosure requirements for these transactions. By passing this resolution, Congress would prevent the CFPB's withdrawal from taking effect, keeping the consumer protections in place. The resolution was introduced in April 2026 and referred to the House Financial Services Committee. If approved by both chambers and signed by the President, the rule would remain enforceable and have the force of law.