Civil Investigative Demand Reform Act of 2025

This bill changes how the Consumer Financial Protection Bureau can demand information when investigating possible violations of consumer financial laws before starting formal legal proceedings. The bill sets a six-year time limit for making these demands after a violation occurs and requires the bureau to provide specific facts about the suspected violation. It allows lawyers to submit questions on behalf of people who must give testimony, and lets people ask courts to review the bureau's decisions if their request to change or cancel a demand is denied. The bill also expands the reasons people can use to seek relief from these demands, including showing the demand is too burdensome or expensive, unnecessarily repetitive, or that the information can be gotten elsewhere more easily.

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