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H.R. 1653: Civil Investigative Demand Reform Act of 2025

119th Congress · introduced 2025-02-27 · Finance and Financial Sector · Latest: Ordered to be Reported (Amended) by the Yeas and Nays: 29 - 20.

federal

What does this mean?

Official title

Civil Investigative Demand Reform Act of 2025

Plain summary

Civil Investigative Demand Reform Act of 2025 This bill revises the Consumer Financial Protection Bureau’s (CFPB’s) civil investigative demand process. The demand process is used to gather information relevant to a violation of consumer financial law before formal proceedings. Under the bill, such demands must be issued and served no later than six years after the date of the violation. The demand must also provide specific reference to particular facts regarding the violation. The bill establishes a process that allows an advising attorney to submit questions on behalf of a person compelled by a demand to appear for oral testimony. The bill also allows for judicial review if the CFPB denies a petition to set aside or modify a demand. These petitions must be treated as confidential. In addition, the bill expands the grounds on which a petitioner may seek relief from such a demand to include a demonstration that the demand (1) is unduly burdensome, expensive, and outside the scope of the inquiry; (2) is unreasonably cumulative or duplicative; or (3) can be obtained from some other source that is more convenient, less burdensome, or less expensive.

Congressional Research Service summary (Introduced in House), quoted unchanged (nonpartisan). Read the source.

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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

Civil Investigative Demand Reform Act of 2025

Source: Congressional Research Service summary (Introduced in House)

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Officials and money

Sponsor: Rep. Barr, Andy [R-KY-6] · 6 cosponsors

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Words on this page, explained (1)
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).

Plain meanings written from linked sources. All words.

Sources

Record fed-us-cong119-hr1653 · catalog fed-us-congress-bills-cong119 · updated 2026-11-03 by psicol fed-bills