I 
119TH CONGRESS 
1ST SESSION H. R. 1653 
To reform the civil investigative demand process of the Bureau of Consumer 
Financial Protection. 
IN THE HOUSE OF REPRESENTATIVES 
FEBRUARY 27, 2025 
Mr. BARR
(for himself, Mr. VICENTE
GONZALEZ
of Texas, and Mr. 
MOSKOWITZ) introduced the following bill; which was referred to the 
Committee on Financial Services 
A BILL 
To reform the civil investigative demand process of the 
Bureau of Consumer Financial Protection. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Civil Investigative De-
mand Reform Act of 2025’’. 
SEC. 2. CIVIL INVESTIGATIVE DEMANDS. 
(a) DEMAND PERIOD.—Section 1052(c)(1) of the 
Consumer Financial Protection Act of 2010 (12 U.S.C. 
5562(c)(1)) is amended by inserting after ‘‘before the in-
stitution of any proceedings under the Federal consumer 
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financial law’’ the following: ‘‘, but not later than 6 years 
after the date of such violation’’. 
(b) DEMAND REQUIREMENTS.—Section 1052(c)(2) 
of the Consumer Financial Protection Act of 2010 (12 
U.S.C. 5562(c)(2)) is amended by inserting after ‘‘con-
duct’’ the following: ‘‘, with specific reference to particular 
facts,’’. 
(c) 
ATTORNEY
REPRESENTATION.—Section 
1052(c)(13)(D) of the Consumer Financial Protection Act 
of 2010 (12 U.S.C. 5562(c)(13)(D)) is amended by adding 
at the end the following: 
‘‘(v) QUESTION AND RESPONSE.— 
‘‘(I) ADVISING
ATTORNEY.—An 
attorney advising a person described 
in clause (i) may submit to the Bu-
reau questions related to the scope or 
breadth of the demand. 
‘‘(II) BUREAU
RESPONSE.—The 
Bureau shall submit to the attorney 
advising a person described in clause 
(i) a response to any question sub-
mitted under subclause (I) during the 
shorter of— 
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‘‘(aa) a period that is 20 
days after the date that the ques-
tions are submitted; or 
‘‘(bb) a period equal to the 
period beginning on the date of 
service of the civil investigative 
demand and ending on the return 
date specified in the demand. 
‘‘(III) EXTENSION
OF
RETURN 
DATE AND PETITION DEADLINE.—In 
a case in which questions are sub-
mitted under subclause (I), the Bu-
reau may include with the response 
required under subclause (II) an ex-
tension of the return date and the 
deadline to file a petition with the Bu-
reau for an order modifying or setting 
aside the demand.’’. 
(d) CONFIDENTIAL TREATMENT OF PETITIONS.— 
Section 1052(d)) of the Consumer Financial Protection 
Act of 2010 (12 U.S.C. 5562(d)) is amended— 
(1) in the subsection heading, by inserting ‘‘and 
petitions’’ after ‘‘demand material’’; and 
(2) in paragraph (1), strike ‘‘and tangible 
things’’ and insert ‘‘, tangible things, and the con-
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