H.R. 4548: Unfair or Deceptive Acts or Practices Uniformity Act

117th Congress · introduced 2021-07-20 · Finance and Financial Sector · Latest: Referred to the House Committee on Financial Services.

federal

Follow this bill, step by step

Where it came from: introduced 2021-07-20 · official record
Who proposed it: Rep. Williams, Roger [R-TX-25] · what a sponsor is
What happened next: no floor votes in our records yet. Why?
Where it stands now: Referred to the House Committee on Financial Services. Not final yet: this can still change. We check for updates every day.
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

Unfair or Deceptive Acts or Practices Uniformity Act

Plain summary

Unfair or Deceptive Acts or Practices Uniformity Act This bill eliminates the authority of the Consumer Financial Protection Bureau to take action against a person or service provider for an abusive act or practice in connection with a consumer financial product or service. Additionally, the bureau is prohibited from taking action against an unfair or deceptive act unless the bureau first consults with the primary financial regulatory agency of the person or service provider. Finally, any rulemaking made by the bureau regarding an unfair or deceptive act must comply with certain Federal Trade Commission rulemaking requirements.

Congressional Research Service summary (Introduced in House), 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

Unfair or Deceptive Acts or Practices Uniformity Act

Source: Congressional Research Service summary (Introduced in House)

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The strongest published arguments

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Alternatives

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

Officials and money

Sponsor: Rep. Williams, Roger [R-TX-25] · 11 cosponsors

Cost estimate: No cost estimate published yet.

Cosponsors on this site

Andy Barr (R-KY), Bill Huizenga (R-MI), Ted Budd (R-NC), William R. Timmons IV (R-SC), David Kustoff (R-TN), Pete Sessions (R-TX), Lance Gooden (R-TX), Byron Donalds (R-FL)

Sponsor's campaign money: Rep. Williams, Roger [R-TX-25] reported raising $1.7 million (2025–2026). Details. Shown for context only; it does not mean any donor supported this bill.

No linked floor roll calls in our collected records yet. This does not mean the bill has never had a vote. Check the official bill history.

Words on this page, explained (2)

Bill: A proposed law. It becomes law only if it passes the legislature and is signed by the president or governor (or a veto is overridden).
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

Congressional Research Service summary (Introduced in House)
Congress.gov
Data: GovInfo BILLSTATUS bulk data (Library of Congress), BILLSTATUS-117hr4548.xml <https://www.govinfo.gov/bulkdata/BILLSTATUS/117/hr>

Record fed-us-cong117-hr4548 · catalog fed-us-congress-bills-cong117 · updated 2026-11-15 by psicol fed-bills-cong117