United States 119th Congress Status: In Committee 11 D cosponsors

S 4684 — Protecting American Consumers Act

Last action — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

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  1. ✓
    Introduced
  2. 2
    In Committee
  3. 3
    Passed Senate
  4. 4
    Passed House
  5. 5
    To Executive
  6. 6
    Enacted

This bill is in committee in the Senate. Introduced June 04, 2026. It must pass committee before a floor vote.

Next likely step: a committee vote, then a floor vote in the Senate.

Prognosis

Stalled 26% · moderate confidence

Where this bill stands today.

Odds of enactment

Low

How often bills like it became law.

  • In Committee

    Current position in the legislative process.

  • 11 sponsors

    1 primary, 10 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (11 D).

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

In plain language

The bill aims to strengthen consumer protection regulations.

This legislation proposes enhancements to existing consumer protection laws. It focuses on ensuring greater transparency and accountability in consumer markets.

What this means for you
  • Consumers: This means enhanced protections and clearer information when purchasing goods and services.

Bill Text

How this bill changes current law

2 changes Share ↗

Compared against current U.S. Code AI-generated reading aid — verify against the official bill.

The bill establishes a compulsory funding floor by increasing the minimum annual transfer percentage to the Bureau from the Federal Reserve System's operating expenses.

  • 12 U.S.C. 5497(a)(2)

    10 percent of such expenses in fiscal year 2011; 11 percent of such expenses in fiscal year 2012; and 6.5 percent of such expenses in fiscal year 2013, and in each year thereafter. → not less than 12 percent of the total operating expenses of the Federal Reserve System, as reported in the Annual Report, 2009, of the Board of Governors.

    This change raises the minimum required fiscal transfer to the Bureau, enhancing its funding base.

  • 12 U.S.C. 5497(a)(2)(B)

    (A)(iii) → (A)

    This change modifies the reference for the annual adjustment of the transfer amount to be based on a broader percentage rather than a specific fiscal year limit.

Action History

  1. Introduced in Senate

  2. Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Sponsors

Sponsorship breakdown

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1 sponsors · 10 co-sponsors · 536 not signed on

Sponsors (1)

Co-sponsors (10)

Not signed on (536)

536 members have not signed on to this bill.

Show all 536 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

finance
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

Who sponsors S 4684?
S 4684 is sponsored by Reed, Jack (Democratic), Warner, Mark R. (Democratic), Van Hollen, Chris (Democratic), Cortez Masto, Catherine (Democratic), Smith, Tina (Democratic), Warnock, Raphael G. (Democratic), Kim, Andy (Democratic), Gallego, Ruben (Democratic), Blunt Rochester, Lisa (Democratic), Alsobrooks, Angela D. (Democratic), and Warren, Elizabeth (Democratic).
What is the current status of S 4684?
This bill is in committee in the Senate. Introduced June 04, 2026. It must pass committee before a floor vote.
Where can I track S 4684?
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Last checked for changes 3 months ago · updated continuously

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