Bill · S.J.Res. 151· Senate(119-SJRES-151)
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 "Bulletin 2023-01: Unfair Billing and Collection Practices After Bankruptcy Discharges of Certain Student Loan Debts".
- Introduced
- 3/26/2026
- Last activity
- 3/26/2026 — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Sponsored by
- Mazie Hirono
- Cosponsors
- None
- Introduced
- In Committee
What this bill would do
This joint resolution aims to exercise congressional disapproval regarding a rule submitted by the Bureau of Consumer Financial Protection. The specific rule in question involves the withdrawal of a previous rule titled "Bulletin 2023-01: Unfair Billing and Collection Practices After Bankruptcy Discharges of Certain Student Loan Debts." If passed, this resolution would ensure that the rule regarding the withdrawal has no force or effect.
Yes
Does this give the federal government more power?+2
The resolution uses congressional disapproval to prevent a federal agency from withdrawing a specific consumer protection rule.
The opposite· 3 of 4
Does this give people more protection from unfair business practices?-3
The resolution disapproves the withdrawal of a rule designed to prevent unfair billing and collection practices regarding student loan debts after bankruptcy.
Would households on low incomes be better off under this?-2
The resolution opposes the withdrawal of protections that prevent unfair collection practices on student debts, which often affects lower-income individuals.
Would students be better off under this?-2
The resolution opposes the removal of protections regarding the collection of certain student loan debts after bankruptcy.
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 explicitly detailed within the provided text.
Potential Negative Impacts for People
- There are no specific negative impacts or burdens for individuals or groups of people explicitly detailed 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-2Good For Students-2
- Economy And Finance
- Improves Consumer Protection-3
- Education And Technology
- Improves Student Loan Relief-2
- Governance And Ideology
- Increases Federal Power+2
- 3/26/2026
- Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Introduced in Senate
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.