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S.J.Res. 57: A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act".

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S.J.Res. 57: A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act".

115th Congress · introduced 2018-03-22 · Finance and Financial Sector · Latest: Became Public Law No: 115-172.

federal

Follow this bill, step by step

  1. Where it came from: introduced 2018-03-22 · official record
  2. Who proposed it: Sen. Moran, Jerry [R-KS] · what a sponsor is
  3. What happened next: 3 recorded votes in our records. Latest: House roll call 171 (2018): On Passage, SJRES57 (2018-05-08), Passed. See all
  4. Where it stands now: Became Public Law No: 115-172. (final step reached)
  5. If it becomes law and spends money: follow the money to money laws, then agencies and contracts and grants.

What does this mean?

Official title

A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act".

Plain summary

This joint resolution nullifies the rule submitted by the Consumer Financial Protection Bureau and printed in the Congressional Record on December 6, 2017, relating to indirect auto lending and compliance with the Equal Credit Opportunity Act. The rule provides guidance for compliance with fair lending requirements for third-party auto lenders.

Congressional Research Service summary (Public Law), quoted unchanged (nonpartisan). Read the source.

What a vote does

A “Yea” vote

If it passes both chambers and is signed, it becomes law.

A “Nay” vote

If it is not passed, current law stays as it is.

PSI Sci description of the legislative step (not an opinion).

What does this mean? (plain words)

Official text

A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act".

Source: Congressional Research Service summary (Public Law)

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The strongest published arguments

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Arguments against (opponents)

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Alternatives

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How did my representative vote? · This bill's floor votes

Officials and money

Sponsor: Sen. Moran, Jerry [R-KS] · 24 cosponsors

Cost estimate: No cost estimate published yet.

Cosponsors on this site

Mike Rounds (R-SD), James Lankford (R-OK), John Kennedy (R-LA), Roger F. Wicker (R-MS), John Hoeven (R-ND), Ron Johnson (R-WI), Tim Scott (R-SC), John Boozman (R-AR), Mike Crapo (R-ID), Shelley Moore Capito (R-WV), Tom Cotton (R-AR), James E. Risch (R-ID), Steve Daines (R-MT), Joni Ernst (R-IA), Ted Cruz (R-TX), John Thune (R-SD)

Sponsor's campaign money: Sen. Moran, Jerry [R-KS] reported raising $1.6 million (2025–2026). Details. Shown for context only; it does not mean any donor supported this bill.

Recorded votes

Words on this page, explained (2)
Joint resolution
In Texas, the type of measure the Legislature uses to propose a constitutional amendment (marked HJR or SJR). The governor does not sign or veto it; the voters decide. In Congress a joint resolution can also be used like a bill. In Florida, a joint resolution passed by three-fifths of the members of each chamber puts a constitutional amendment on the ballot.
Rulemaking
The process agencies use to write regulations that carry out laws passed by Congress or a legislature. Usually an agency publishes a proposed rule, takes public comments, then publishes a final rule.

Plain meanings written from linked sources. All words.

Sources

Record fed-us-cong115-sjres57 · catalog fed-us-congress-bills-cong115 · updated 2026-11-15 by psicol fed-bills-cong115