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H.R. 4607: Comprehensive Regulatory Review Act

Mar 6, 2018 at 4:25 p.m. ET. On Passage of the Bill in the House.

This was a vote to pass H.R. 4607 (115th) in the House.

H.R. 4607 amends the Economic Growth and Regulatory Paperwork Reduction Act of 1996 (EGRPRA) to require the Federal Financial Institutions Examination Council (FFIEC) and each of the federal financial regulators--now to include the Consumer Financial Protection Bureau and National Credit Union Administration--to conduct, at least once every seven years (rather than conducting a review every ten years as required under current law), a comprehensive review of all regulations prescribed by the council or the regulator, including all regulations issued after December 31, 2006, in order to identify outdated or otherwise unnecessary regulations and tailor other regulations related to insured depository institutions or covered persons.

The EGRPRA requires the FFIEC, together with each appropriate Federal banking agency, to conduct a joint review of existing regulations every 10 years to determine whether any rules are outdated, unnecessary, or unduly burdensome, and consider how to reduce regulatory burden while, at the same time, ensuring the safety and soundness and the safety and soundness of the financial system. As part of the review, EGRPRA requires these agencies to, at regular intervals, provide notice and solicit public comment on a particular category or categories of regulations.

Under current law, EGRPRA does not require either the Consumer Financial Protection Bureau (CFPB) or the National Credit Union Administration (NCUA) to participate in the review process, because the statute does not include them in the definition of an “appropriate Federal banking agency.”

And while Title X of the Dodd–Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203) requires the CFPB to review its significant regulations and report on them five years after they become final, and the NCUA has concurrently and voluntarily conducted its own review in a manner consistent with EGRPRA, H.R. 4607 ensures that all financial regulators are statutorily required to review their regulations on a regular basis, together.

Source: Republican Policy Committee


All Votes R D
Yea 65%
Nay 35%
Not Voting

Passed. Simple Majority Required. Source:

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