A joint resolution 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 "Fair Credit Reporting; Background Screening".

Does this give the federal government more power?+2

The resolution uses congressional disapproval authority to overturn a regulatory action by the Consumer Financial Protection Bureau.

Would Black Americans be better off under this?+1

Maintaining background screening regulations can help mitigate disparities caused by credit-based screening practices.

Would Hispanic Americans be better off under this?+1

The preservation of the previous rule provides continued regulation on how personal credit data is used in background screenings.

Does this give people more protection from unfair business practices?-3

The resolution blocks the withdrawal of a rule regarding background screening, which would otherwise have removed certain consumer protections regarding how credit reports are used for background checks.

Would households on low incomes be better off under this?-2

By disapproving the withdrawal of the background screening rule, the resolution maintains certain existing protections that often benefit lower-income individuals during the screening process.

Would middle-income households be better off under this?-1

The resolution maintains regulatory oversight of background screening processes that affect credit-based hiring and tenant screening.