{"bill":{"id":"113-hr-5403","congress":113,"type":"HR","number":5403,"title":"Reforming CFPB Indirect Auto Financing Guidance Act","originChamber":"House","introducedDate":"2014-09-08","sponsors":[{"bioguideId":"S001188","fullName":"Rep. Stutzman, Marlin A. [R-IN-3]","party":"R","state":"IN","district":3}],"cosponsorsCount":149,"latestAction":{"actionDate":"2014-09-08","text":"Referred to the House Committee on Financial Services."},"policyArea":"Finance and Financial Sector","subjects":["Administrative law and regulatory procedures","Banking and financial institutions regulation","Consumer Financial Protection Bureau","Consumer affairs","Consumer credit","Financial services and investments","Government information and archives","Government studies and investigations","Minority and disadvantaged businesses","Motor vehicles","Small business","Women in business"],"actions":[{"date":"2014-09-08","text":"Referred to the House Committee on Financial Services.","type":"IntroReferral","chamber":"House floor actions","hasVote":false},{"date":"2014-09-08","text":"Introduced in House","type":"IntroReferral","chamber":"Library of Congress","hasVote":false},{"date":"2014-09-08","text":"Introduced in House","type":"IntroReferral","chamber":"Library of Congress","hasVote":false}],"summary":" <p>Reforming CFPB Indirect Auto Financing Guidance Act - Declares without force or effect Consumer Financial Protection Bureau (CFPB) Bulletin 2013-02 (Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act), published March 21, 2013.</p> <p>Amends the Consumer Financial Protection Act of 2010 to direct the CFPB, when proposing and issuing guidance primarily related to indirect auto financing, to:</p> <ul> <li>provide for a public notice and comment period before issuing the guidance in final form;</li> <li>make publicly available all information relied on by the CFPB;</li> <li>redact any information exempt from disclosure under the Freedom of Information Act;</li> <li>consult with the Board of Governors of the Federal Reserve System, the Federal Trade Commission (FTC), and the Department of Justice (DOJ); and <li>study the costs and impacts of the guidance to consumers and women-owned, minority-owned, and small businesses. </ul>","updateDate":"2025-08-12T18:35:58Z"},"markets":[],"stateBills":[],"meta":{"sources":["congress.gov"],"latencyMs":484,"ts":"2026-04-15T23:31:44.550Z"},"nextActions":{"inspect":[],"related":[{"description":"Search related legislation","method":"GET","url":"/api/public/query-gov?q=Reforming%20CFPB%20Indirect%20Auto%20Financing%20Guidance%20Act"}]}}