Bills · SJRES 146
IN COMMITTEE· 119TH CONGRESS
Senate Joint Res.SJRES 146Finance and Financial Sector
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 "Application of Regulation Z's Ability-To-Repay Rule to Certain Situations Involving Successors-In-Interest".
This bill prevents the government from cancelling protections that help people keep their homes after they inherit them or receive them in a divorce.AI-written
INTRO MAR 25· LAST ACTION MAR 25
PASSAGE CHANCESLONG SHOT
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tl;dr
AI-writtenStops the CFPB from removing rules that make it easier for heirs to keep their family home's mortgage without facing the same strict income checks as new buyers.
LEGISLATIVE PROGRESS
STEP 2 / 8Introduced
In Committee
Reported
Passed Senate
Passed House
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenWhen a homeowner dies, their heirs often face a stressful legal and financial scramble to keep the family home. Without the protections this bill seeks to preserve, an heir might be forced into foreclosure simply because they cannot meet the same strict income and credit checks a bank would require for a brand-new home buyer.
If this bill becomes law, it keeps the 2014 protections active, making it easier for families to build and keep intergenerational wealth. If it fails, the government's decision to remove these protections will stand, potentially making it harder for people to keep houses they have inherited or received in a divorce settlement.
KEY PROVISIONS
3AI-extractedPROVISION 01
Disapproves the CFPB rule from May 12, 2025, that withdrew the 2014 'Successors-In-Interest' protections.
This is the core action that effectively restarts the older, more protective rules for heirs.
PROVISION 02
Declares that the withdrawal rule shall have 'no force or effect.'
This ensures that the agency cannot enforce the change and must return to the previous legal standard.
PROVISION 03
Uses the Congressional Review Act to override agency rulemaking.
This allows Congress to bypass some usual hurdles to quickly strike down an executive branch decision.
SPONSORSHIP
1 + 0
D· California
YRS IN OFFICE
25
BILLS LED
97
ACTION TIMELINE
2 EVENTSMAR 25
Introduced in Senate
MAR 25
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
BILL INFO
TypeSenate Joint Resolution
NumberSJRES 146
Congress119th
StatusIn Committee
IntroducedMar 25, 2026
Last actionMar 25, 2026
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IN COMMITTEE· 119TH CONGRESS · BANKING, HOUSING, AND URBAN AFFAIRS COMMITTEE · INTRODUCED MAR 25, 2026
Senate Joint Res.SJRES 146Finance and Financial Sector
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 "Application of Regulation Z's Ability-To-Repay Rule to Certain Situations Involving Successors-In-Interest".
This bill prevents the government from cancelling protections that help people keep their homes after they inherit them or receive them in a divorce.AI-written
INTRODUCED MAR 25, 2026· LAST ACTION MAR 25, 2026
PASSAGE CHANCES
10%
READING
