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 "Truth in Lending (Regulation Z); Use of Digital User Accounts to Access Buy Now, Pay Later Loans".

Cost and committee reports

Official records Congress.gov attaches to H.J.Res. 195.

• Constitutional authority statementThe sponsor’s statement of where the Constitution gives Congress the power to pass this bill. Statement by Mr. DONALDS, as printed in the Congressional Record (Vol. 170, No. 127, August 2, 2024, Page H4975):
  Art 1, Sec 8 The single subject of this legislation is: To 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 ``Truth in Lending (Regulation Z); Use of Digital User Accounts to Access Buy Now, Pay Later Loans''
  Source: Congress.gov, Congressional Record August 2, 2024 ↗

  Evidence

  Field in the Congress.gov record

  constitutionalAuthorityStatementText

  Statement length

  328 characters

  Congress.gov bill record

  H.J.Res. 195, 118th Congress

  Congress.gov API record

  https://api.congress.gov/v3/bill/118/hjres/195

  Record last updated by Congress.gov

  December 5, 2025

  PORKER copy retrieved

  September 14, 2026

  Stored copy, SHA-256 of the file

  8c66051dd9fa6730eefdc882776c6c9b716ff722d5e23f3a10a3baef0661973d

  PORKER shows the statement exactly as printed, with the page markup removed. It is the sponsor’s claim; it is not a legal finding.

Congress.gov’s record for this bill does not list a CBO cost estimate or a committee report (as of December 5, 2025). Not every bill gets one.

From the Congress.gov bill record for H.J.Res. 195, last updated December 5, 2025. PORKER’s copy was retrieved September 14, 2026 and is refreshed nightly. Open “Evidence” on any line for the record, field and file fingerprint.