Unfair or Deceptive Acts or Practices Uniformity Act

Referred to the House Committee on Financial Services.

Congressional Research Service

Official summary

Version 00 · Introduced in House · Jul 20, 2021

Unfair or Deceptive Acts or Practices Uniformity Act

This bill eliminates the authority of the Consumer Financial Protection Bureau to take action against a person or service provider for an abusive act or practice in connection with a consumer financial product or service. Additionally, the bureau is prohibited from taking action against an unfair or deceptive act unless the bureau first consults with the primary financial regulatory agency of the person or service provider. Finally, any rulemaking made by the bureau regarding an unfair or deceptive act must comply with certain Federal Trade Commission rulemaking requirements.

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People & committees

Who introduced it

Rep. Williams, Roger [R-TX-25] · R–TX

Committees

Financial Services Committee

11 cosponsorship records, including any withdrawals

Legislative record

Actions

A procedural vote is different from passage. Passage in one chamber does not establish enactment. Explore the glossary.

Jul 20, 2021
Referred to the House Committee on Financial Services.
Jul 20, 2021
Introduced in House
Jul 20, 2021
Introduced in House

Primary sources

Bill text & related measures

Text links open the official source. We currently store references to these documents.

Introduced in House · Jul 20, 2021 Formatted Text PDF Formatted XML

Related bills identified by Congress.gov

No related bills are listed in this snapshot. This does not establish whether the proposal has appeared in earlier Congresses.

Source last updated: Jan 3, 2025. Consult Congress.gov for the current record.

AI Conversation Starters

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Neutral evidence review

Objective

Analyze H.R.4548 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.

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Discuss H.R.4548, 117th Congress: Unfair or Deceptive Acts or Practices Uniformity Act

Official record: https://www.congress.gov/bill/117th-congress/house-bill/4548

Text version to examine: Introduced in House · 2021-07-20.

Official full text: https://www.congress.gov/117/bills/hr4548/BILLS-117hr4548ih.htm

Imported record last updated by the source: 2025-01-03T07:22:43Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Analyze H.R.4548 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.

Fairness and public impact

Progressive lens

Examine H.R.4548 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.

View full prompt & sources

Discuss H.R.4548, 117th Congress: Unfair or Deceptive Acts or Practices Uniformity Act

Official record: https://www.congress.gov/bill/117th-congress/house-bill/4548

Text version to examine: Introduced in House · 2021-07-20.

Official full text: https://www.congress.gov/117/bills/hr4548/BILLS-117hr4548ih.htm

Imported record last updated by the source: 2025-01-03T07:22:43Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.4548 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.

Institutions and government scope

Conservative lens

Examine H.R.4548 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

View full prompt & sources

Discuss H.R.4548, 117th Congress: Unfair or Deceptive Acts or Practices Uniformity Act

Official record: https://www.congress.gov/bill/117th-congress/house-bill/4548

Text version to examine: Introduced in House · 2021-07-20.

Official full text: https://www.congress.gov/117/bills/hr4548/BILLS-117hr4548ih.htm

Imported record last updated by the source: 2025-01-03T07:22:43Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.4548 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

Individual rights and government power

Liberty lens

Examine H.R.4548 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.

View full prompt & sources

Discuss H.R.4548, 117th Congress: Unfair or Deceptive Acts or Practices Uniformity Act

Official record: https://www.congress.gov/bill/117th-congress/house-bill/4548

Text version to examine: Introduced in House · 2021-07-20.

Official full text: https://www.congress.gov/117/bills/hr4548/BILLS-117hr4548ih.htm

Imported record last updated by the source: 2025-01-03T07:22:43Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.4548 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.