Bill · H.J.Res. 181· House(119-HJRES-181)
Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Consumer Financial Protection Circular 2022-07: Reasonable Investigation of Consumer Reporting Disputes".
- Introduced
- 5/11/2026
- Last activity
- 5/11/2026 — Referred to the House Committee on Financial Services.
- Sponsored by
- Sylvia Garcia
- Cosponsors
- None
- Introduced
- In Committee
What this bill would do
This joint resolution seeks to express congressional disapproval of a rule submitted by the Bureau of Consumer Financial Protection. The rule in question relates to the withdrawal of a previous rule regarding "Consumer Financial Protection Circular 2022-07: Reasonable Investigation of Consumer Reporting Disputes." If passed, this resolution would ensure that the Bureau's rule has no force or effect. It was introduced by Ms. Garcia of Texas and referred to the Committee on Financial Services.
Yes· 3 of 9
Does this give people more protection from unfair business practices?+5
The resolution prevents the withdrawal of standards regarding the reasonable investigation of consumer reporting disputes, thereby maintaining consumer protections.
Would households on low incomes be better off under this?+3
Maintaining consumer reporting dispute standards helps protect low-income individuals who rely on accurate credit reporting.
Would middle-income households be better off under this?+3
The resolution preserves consumer protections that assist middle-class individuals in resolving reporting errors.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- There are no specific positive impacts or benefits for individuals or groups of people listed within the provided text.
Potential Negative Impacts for People
- There are no specific negative impacts or burdens for individuals or groups of people listed within the provided text.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Low Income Households+3Good For Middle Class Households+3Good For African Americans+2Good For Asian Americans+2Good For Hispanic Americans+2Good For Urban Residents+2Good For White Americans+2
- Economy And Finance
- Improves Consumer Protection+5
- Governance And Ideology
- Improves Government Transparency+2
- 5/11/2026
- Referred to the House Committee on Financial Services.
- Introduced in House
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.