SJRES 164
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 2022-04: Insufficient Data Protection or Security for Sensitive Consumer Information".
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Bill overview
This joint resolution seeks to overturn a rule issued by the Bureau of Consumer Financial Protection. The rule concerned the withdrawal of a previous circular, CFPB Circular 2022-04, which addressed data protection and security for sensitive consumer information. Congress is using the process of congressional disapproval to invalidate this specific rule.
Key provisions
- Congress disapproves of the Bureau of Consumer Financial Protection’s rule.
- The rule’s withdrawal of CFPB Circular 2022-04 is being challenged.
- The rule is declared to have no legal force or effect.
- This action utilizes the congressional disapproval process under Title 5 of the U.S. Code.
Who is affected
- Bureau of Consumer Financial Protection
- Consumers (regarding data protection)
- Financial Institutions
Notable changes
- This resolution attempts to reverse a specific rule related to data security standards.
- It utilizes congressional disapproval as a mechanism to challenge agency rulemaking.
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119th CONGRESS — 2d Session
S. J. RES. 164
IN THE SENATE OF THE UNITED STATES
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 2022–04: Insufficient Data Protection or Security for Sensitive Consumer Information
.
That Congress disapproves the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to Consumer Financial Protection Circular 2022–04: Insufficient Data Protection or Security for Sensitive Consumer Information (87 Fed. Reg. 54346 (August 6, 2022))
(90 Fed. Reg. 20084 (May 12, 2025)), and such rule shall have no force or effect.