A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act".
Public Law 115-172 · S.J.Res. 57 · 115th Congress · began in the Senate
Signed by Donald Trump (R) on May 21, 2018 · Finance and Financial Sector
Major law
Sponsor: Sen. Jerry Moran (R-KS)
Cosponsors (24): Sen. Pat Toomey, Sen. Michael Enzi,
Passage votesYeaNay
- HouseRecorded vote: 234 yea, 175 nay234–175
- SenateRecorded vote: 51 yea, 47 nay51–47
Data notes
The final version of the law, as each chamber passed it. A chamber that passed it by voice vote or unanimous consent has no count. “Method not stated” means the record does not say how the chamber voted. Where the record has a member-by-member vote, the “Who voted for it” section shows who voted yea.
Summary
The Congressional Research Service’s plain-language summary of what the law does.
This joint resolution nullifies the rule submitted by the Consumer Financial Protection Bureau and printed in the Congressional Record on December 6, 2017, relating to indirect auto lending and compliance with the Equal Credit Opportunity Act. The rule provides guidance for compliance with fair lending requirements for third-party auto lenders.
Who voted for it
Every senator of the 115th Congress on the ideology compass. Highlighted: the 51 who voted yea on final passage. Faded: everyone else, including those who voted nay, did not vote, or had not yet taken office.
51 yea47 nay2 present or did not vote
Democrats who voted yea(1)
Sen. Joe ManchinD-WV
Republicans who voted yea(50)
Sen. Susan CollinsR-ME
Sen. Lisa MurkowskiR-AK
Sen. Rob PortmanR-OH
Sen. Lamar AlexanderR-TN
Sen. Pat RobertsR-KS
Sen. Orrin HatchR-UT
Sen. Johnny IsaksonR-GA
Sen. Lindsey GrahamR-SC
Sen. Shelley CapitoR-WV
Sen. Roy BluntR-MO
Sen. Todd YoungR-IN
Sen. John HoevenR-ND
Sen. John BoozmanR-AR
Sen. Mitch McConnellR-KY
Sen. Richard ShelbyR-AL
Sen. Thom TillisR-NC
Sen. Cindy Hyde-SmithR-MS
Sen. Mike RoundsR-SD
Sen. Roger WickerR-MS
Sen. John CornynR-TX
Sen. Bill CassidyR-LA
Sen. Cory GardnerR-CO
Sen. Richard BurrR-NC
Sen. Deb FischerR-NE
Sen. Chuck GrassleyR-IA
Sen. John ThuneR-SD
Sen. Dan SullivanR-AK
Sen. Jerry MoranR-KS
Sen. Dean HellerR-NV
Sen. John KennedyR-LA
Sen. Bob CorkerR-TN
Sen. David PerdueR-GA
Sen. Joni ErnstR-IA
Sen. Tim ScottR-SC
Sen. Marco RubioR-FL
Sen. Jim InhofeR-OK
Sen. Tom CottonR-AR
Sen. Mike CrapoR-ID
Sen. Michael EnziR-WY
Sen. John BarrassoR-WY
Sen. Steve DainesR-MT
Sen. Ron JohnsonR-WI
Sen. Ted CruzR-TX
Sen. James LankfordR-OK
Sen. James RischR-ID
Sen. Pat ToomeyR-PA
Sen. Ben SasseR-NE
Sen. Jeff FlakeR-AZ
Sen. Rand PaulR-KY
Sen. Mike LeeR-UT
Data notes
The Senate’s recorded vote on the final version of the law (roll call 401 in Voteview), matched to the vote the record cites and checked against its totals. Positions are each member’s DW-NOMINATE score for that Congress, as on the Ideology page; left to right is more liberal to more conservative. Paired and announced yea votes count as yea. Lists follow the compass, most liberal first. A name links to a profile only for members of the current Congress. A law passed by voice vote or unanimous consent has no member list, and neither does a vote Voteview has not yet recorded.
Committees
The committees the bill was sent to, and what each did with it.
Data notes
A committee links to its page only where it exists in the current Congress; older and renamed committees are named without a link.
Related bills
2 bills the Library of Congress relates to this one.
H.J.Res. 132Identical bill
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 "Indirect Auto Lending and Compliance with the Equ…
H.Res. 872Procedurally-related
Providing for consideration of the bill (H.R. 5645) to amend the Clayton Act and the Federal Trade Commission Act to provide that the Federal Trade Commission shall exercise authority with respect to mergers only under …
Data notes
Related bills are identified by the Congressional Research Service, the House and the Senate: companion and identical bills, bills with similar text, bills that were folded into this law, and rules that brought it to the floor. A bill that is itself a public law in this site’s data links here; the others link to Congress.gov.
Timeline
From introduction to signing, newest first: the committees, the floor and the president. 22 actions.
- May 21, 2018Became lawBecame law · Became Public Law No: 115-172.
- Became lawBecame law · Signed by President.
- May 10, 2018FloorFloor · Presented to President.
- May 8, 2018FloorFloor · Motion to reconsider laid on the table Agreed to without objection.
- FloorFloor · On passage Passed by the Yeas and Nays: 234 - 175, 1 Present (Roll no. 171).House roll call 171
- FloorFloor · The previous question was ordered pursuant to the rule.
- FloorFloor · DEBATE - The House proceeded with one hour of debate on S.J. Res. 57.
- FloorFloor · Rule provides for consideration of H.R. 5645, H.R. 2152 and S.J. Res. 57. Rule provides for consideration of H.R. 5645 under a structured rule, with one motion to recommit with or without instructions. Rule provides for consideration of H.R. 2152 under a closed rule, with one mo…
- FloorFloor · Considered under the provisions of rule H. Res. 872.
- FloorFloor · Rule H. Res. 872 passed House.
- May 7, 2018FloorFloor · Rules Committee Resolution H. Res. 872 Reported to House. Rule provides for consideration of H.R. 5645, H.R. 2152 and S.J. Res. 57. Rule provides for consideration of H.R. 5645 under a structured rule, with one motion to recommit with or without instructions. Rule provides for c…
- Apr 18, 2018FloorFloor · Held at the desk.
- FloorFloor · Received in the House.
- FloorFloor · Message on Senate action sent to the House.
- FloorFloor · Passed Senate without amendment by Yea-Nay Vote. 51 - 47. Record Vote Number: 76.Senate roll call 76
- FloorFloor · Considered by Senate.
- Apr 17, 2018FloorFloor · Measure laid before Senate by motion.
- FloorFloor · Motion to proceed to consideration of measure agreed to in Senate by Yea-Nay Vote. 50 - 47. Record Vote Number: 75. (CR S2200)Senate roll call 75
- Apr 12, 2018CalendarCalendar · Placed on Senate Legislative Calendar under General Orders. Calendar No. 378.
- CommitteeCommittee · Senate Committee on Banking, Housing, and Urban Affairs discharged by petition pursuant to 5 U.S.C. 802(c).
- Mar 22, 2018CommitteeCommittee · Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- IntroducedIntroduced · Introduced in Senate
Data notes
Every action the Library of Congress lists for the bill, from introduction to signing, plus the dated committee hearings. The source lists many steps twice (the chamber’s own entry and the Library of Congress copy, or a presidential and a became-law entry with the same words); those are shown once. Amendments are listed in their own section.
Amendments
No amendments to this bill are on record.
Data notes
Amendments offered to this bill in either chamber, as the Library of Congress records them: each with a status read from its last recorded step: agreed to, rejected, withdrawn, ruled out of order, fell with another amendment, or offered with no vote recorded (most Senate amendments are only ever offered). The wording of each amendment is the source’s. Amendments to amendments and amendments to other bills are not listed.
Official record
The bill’s full text is on Congress.gov. Data through Oct 7, 2026.