I 
114TH CONGRESS 
2D SESSION 
H. R. 5490 
To amend the Consumer Financial Protection Act of 2010 to require that 
no deference be given to the interpretation of consumer financial law 
by the Bureau of Consumer Financial Protection, to define the scope 
of judicial review of Bureau actions, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
JUNE 15, 2016 
Mrs. LOVE introduced the following bill; which was referred to the Committee 
on Financial Services, and in addition to the Committee on the Judiciary, 
for a period to be subsequently determined by the Speaker, in each case 
for consideration of such provisions as fall within the jurisdiction of the 
committee concerned 
A BILL 
To amend the Consumer Financial Protection Act of 2010 
to require that no deference be given to the interpreta-
tion of consumer financial law by the Bureau of Con-
sumer Financial Protection, to define the scope of judi-
cial review of Bureau actions, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
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SECTION 1. NO DEFERENCE TO THE INTERPRETATION OF 
CONSUMER FINANCIAL LAW BY THE BUREAU 
OF CONSUMER FINANCIAL PROTECTION. 
(a) NO DEFERENCE TO BUREAU INTERPRETATION 
OVER THE INTERPRETATION OF ANOTHER AGENCY.— 
The Consumer Financial Protection Act of 2010 (12 
U.S.C. 5481 et seq.) is amended— 
(1) in section 1022(b)(4)— 
(A) by striking ‘‘(A) IN GENERAL.—’’; and 
(B) by striking subparagraph (B); and 
(2) in section 1061(b)(5)(E)— 
(A) by striking ‘‘affords the—’’ and all 
that follows through ‘‘(i) Federal Trade Com-
mission’’ and inserting ‘‘affords the Federal 
Trade Commission’’; 
(B) by striking ‘‘; or’’ and inserting a pe-
riod; and 
(C) by striking clause (ii). 
SEC. 2. SCOPE OF JUDICIAL REVIEW OF BUREAU ACTIONS. 
Section 1022 of the Consumer Financial Protection 
Act of 2010 (12 U.S.C. 5512) is amended by adding at 
the end the following: 
‘‘(e) SCOPE OF JUDICIAL REVIEW OF AGENCY AC-
TIONS.—Notwithstanding any other provision of law, in 
any judicial review of an agency action of the Bureau pur-
suant to chapter 7 of title 5, United States Code, to the 
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extent necessary to decision and when presented, the re-
viewing court shall determine the meaning or applicability 
of the terms of an agency action of the Bureau and decide 
de novo all relevant questions of law, including the inter-
pretation of constitutional and statutory provisions, and 
rules made by the Bureau. Notwithstanding any other pro-
vision of law, this subsection shall apply in any action for 
judicial review of an agency action of the Bureau author-
ized under any provision of law. No law may exempt any 
such civil action from the application of this subsection 
except by specific reference to this subsection.’’. 
Æ 
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