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 Financial Protection relating to the withdrawal of the rule relating to "Debt Collection Practices (Regulation F); Pay-to-Pay Fees".

This bill was introduced in the Senate by Ms. Alsobrooks on March 17, 2026. It was initially sent to the Committee on Banking, Housing, and Urban Affairs. However, on April 27, 2026, it was discharged from the committee via a petition and is now placed on the Senate calendar, meaning it's ready for a vote by the full Senate. To become law, it would also need to pass the House and be signed by the President.

If this bill passes, debt collectors would likely be unable to charge you additional fees just for making a payment, such as a fee for paying online or over the phone. This could lead to individuals saving money when repaying their debts. Essentially, it would restore consumer protections related to these specific payment processing charges within debt collection practices.

This joint resolution uses the Congressional Review Act process, allowing Congress to overturn federal agency rules. Supporters typically advocate for using this power to protect consumers from practices they deem harmful or unfair. Critics often argue against such legislative interference, suggesting that agencies like the BCFP are best equipped to make these regulatory decisions or that businesses need to recover operational costs.