IB 
Union Calendar No. 250 
114TH CONGRESS 
1ST SESSION H. R. 1737 
[Report No. 114–329] 
To nullify certain guidance of the Bureau of Consumer Financial Protection 
and to provide requirements for guidance issued by the Bureau with 
respect to indirect auto lending. 
IN THE HOUSE OF REPRESENTATIVES 
APRIL 13, 2015 
Mr. GUINTA (for himself, Mr. PERLMUTTER, Mr. STUTZMAN, Mr. DAVID 
SCOTT of Georgia, Mr. STIVERS, Mr. SHERMAN, Mr. WILLIAMS, Mr. KIL-
DEE, and Mrs. BEATTY) introduced the following bill; which was referred 
to the Committee on Financial Services 
NOVEMBER 9, 2015 
Additional sponsors: Mr. NEUGEBAUER, Mr. BISHOP of Georgia, Mr. BARR, 
Mr. COOPER, Mr. DOLD, Ms. FRANKEL of Florida, Mrs. LUMMIS, Mr. 
GIBSON, Mr. GIBBS, Ms. KUSTER, Mr. JOYCE, Ms. SINEMA, Mr. TIBERI, 
Mr. SCHRADER, Mr. CHABOT, Mr. RYAN of Ohio, Mr. TIPTON, Mr. 
LIPINSKI, Mr. WENSTRUP, Ms. DUCKWORTH, Mr. LATTA, Ms. 
BORDALLO, Mr. GUTHRIE, Mr. MURPHY of Florida, Mr. SAM JOHNSON 
of Texas, Mr. ASHFORD, Mr. TURNER, Mr. CUELLAR, Mr. DUFFY, Ms. 
WILSON of Florida, Mr. HULTGREN, Mr. BUCSHON, Mr. GENE GREEN 
of Texas, Mr. HILL, Mrs. BUSTOS, Mr. RENACCI, Mr. WELCH, Mr. 
GRAVES of Georgia, Mr. HASTINGS, Mr. MCHENRY, Ms. JACKSON LEE, 
Mr. FINCHER, Mr. GRAVES of Louisiana, Mr. JOHNSON of Ohio, Ms. 
DELBENE, Mr. LUETKEMEYER, Mr. HINOJOSA, Mr. RIBBLE, Mr. 
ISRAEL, Mr. SWALWELL of California, Mr. KIND, Mr. MACARTHUR, Mr. 
SESSIONS, Mr. LOEBSACK, Mr. OLSON, Ms. LORETTA SANCHEZ of Cali-
fornia, Mr. PAULSEN, Mr. SENSENBRENNER, Ms. TITUS, Mr. PEARCE, 
Mrs. HARTZLER, Mr. VEASEY, Ms. HERRERA BEUTLER, Ms. BROWNLEY 
of California, Mr. SCHWEIKERT, Mr. PALAZZO, Mr. VARGAS, Mr. GOSAR, 
Mr. MESSER, Mr. WALZ, Mr. HANNA, Ms. STEFANIK, Mr. VELA, Mr. 
YODER, Mr. EMMER of Minnesota, Mr. MICHAEL F. DOYLE of Pennsyl-
vania, Mr. POSEY, Mr. CONNOLLY, Mr. WESTMORELAND, Mr. PASCRELL, 
Mr. VALADAO, Mr. BABIN, Ms. GRAHAM, Mr. WALBERG, Mr. MULVANEY, 
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Mr. KILMER, Mr. LAMBORN, Miss RICE of New York, Mr. JOLLY, Mr. 
DUNCAN of Tennessee, Mr. BRADY of Pennsylvania, Mr. COLLINS of New 
York, Mr. SIMPSON, Mr. COURTNEY, Mr. MARCHANT, Ms. ESTY, Mr. 
YOUNG of Iowa, Ms. GABBARD, Mrs. BROOKS of Indiana, Mr. TAKAI, Mr. 
KATKO, Mr. COSTA, Mr. GROTHMAN, Mr. JORDAN, Mr. PETERSON, Mrs. 
TORRES, Ms. WASSERMAN SCHULTZ, Mr. ROTHFUS, Mrs. WAGNER, Mr. 
GOODLATTE, Mr. KING of New York, Mr. QUIGLEY, Mr. TROTT, Mr. 
TED LIEU of California, Mr. HURT of Virginia, Mr. O’ROURKE, Mr. 
PITTENGER, Mrs. MCMORRIS RODGERS, Mrs. KIRKPATRICK, Mr. SMITH 
of Texas, Mr. BARLETTA, Mr. BRAT, Mr. HUFFMAN, Mr. ZELDIN, Mr. 
LANCE, Ms. GRANGER, Mr. CRAMER, Mr. AGUILAR, Mr. HARPER, Mrs. 
BLACK, Mr. GRAYSON, Mr. GARRETT, Mr. ROUZER, Mr. RIGELL, Ms. 
CASTOR of Florida, Mr. GRIFFITH, Mr. ABRAHAM, Mr. SIRES, Mr. 
CRAWFORD, Ms. BROWN of Florida, Mrs. LOVE, Mr. POMPEO, Mr. 
ZINKE, Mr. NORCROSS, Mr. NUNES, Mr. ALLEN, Mr. HUDSON, Mr. 
BISHOP of Utah, Mr. COFFMAN, Mr. MARINO, Ms. JENKINS of Kansas, 
Mr. SEAN
PATRICK
MALONEY
of New York, Mr. HOLDING, Mr. 
HUELSKAMP, Mr. MCKINLEY, Mr. LOUDERMILK, Mr. KELLY of Pennsyl-
vania, and Mr. FARR 
NOVEMBER 9, 2015 
Committed to the Committee of the Whole House on the State of the Union 
and ordered to be printed 
A BILL 
To nullify certain guidance of the Bureau of Consumer Fi-
nancial Protection and to provide requirements for guid-
ance issued by the Bureau with respect to indirect auto 
lending. 
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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 ‘‘Reforming CFPB Indi-
rect Auto Financing Guidance Act’’. 
SEC. 2. NULLIFICATION OF AUTO LENDING GUIDANCE. 
Bulletin 2013–02 of the Bureau of Consumer Finan-
cial Protection (published March 21, 2013) shall have no 
force or effect. 
SEC. 3. GUIDANCE REQUIREMENTS. 
Section 1022(b) of the Consumer Financial Protec-
tion Act of 2010 (12 U.S.C. 5512(b)) is amended by add-
ing at the end the following: 
‘‘(5) GUIDANCE
ON
INDIRECT
AUTO
FINANC-
ING.—In proposing and issuing guidance primarily 
related to indirect auto financing, the Bureau 
shall— 
‘‘(A) provide for a public notice and com-
ment period before issuing the guidance in final 
form; 
‘‘(B) make available to the public, includ-
ing on the website of the Bureau, all studies, 
data, methodologies, analyses, and other infor-
mation relied on by the Bureau in preparing 
such guidance; 
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