Bill · S.J.Res. 173· Senate(119-SJRES-173)
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 "Consumer Financial Protection Circular 2022-07: Reasonable Investigation of Consumer Reporting Disputes".
- Introduced
- 4/13/2026
- Last activity
- 4/13/2026 — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Sponsored by
- Tammy Duckworth
- Cosponsors
- None
- Introduced
- In Committee
What this bill would do
This joint resolution seeks to overturn a rule submitted by the Bureau of Consumer Financial Protection. The rule in question involves the withdrawal of a previous rule regarding "Consumer Financial Protection Circular 2022-07: Reasonable Investigation of Consumer Reporting Disputes." By passing this resolution, Congress would express its disapproval of that withdrawal. If successful, the rule submitted by the Bureau would have no force or effect.
Yes· 3 of 4
Does this give people more protection from unfair business practices?+5
The resolution prevents the withdrawal of rules regarding the reasonable investigation of consumer reporting disputes, thereby maintaining protections for consumer credit data.
Would households on low incomes be better off under this?+3
Maintaining standards for consumer reporting disputes helps protect low-income individuals who rely heavily on accurate credit information.
Would middle-income households be better off under this?+3
Ensuring the Bureau maintains its standards for investigating disputes helps protect the credit integrity of middle-income families.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- Maintenance of Previous Standards: By disapproving the withdrawal, this resolution aims to prevent the Bureau from undoing the rule established in "Consumer Financial Protection Circular s 2022-07: Reasonable Investigation of Consumer Reporting Disputes" (87 Fed. Reg. 71507 (November 23, 2022)).
Potential Negative Impacts for People
- No specific negative impacts are detailed in 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+3
- Economy And Finance
- Improves Consumer Protection+5
- Governance And Ideology
- Improves Government Transparency+2
- 4/13/2026
- 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.