HJRES 170
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 "The Fair Credit Reporting Act's Limited Preemption of State Laws".
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Bill overview
This joint resolution seeks to prevent the Bureau of Consumer Financial Protection from withdrawing a rule concerning the Fair Credit Reporting Act’s limited preemption of state laws. Congress is using the process outlined in U.S. Code chapter 8 to formally disapprove of this specific rule. If enacted, this resolution would nullify the Bureau’s action and prevent the rule from being implemented.
Key provisions
- Congress disapproves a rule issued by the Bureau of Consumer Financial Protection.
- The rule in question concerns the withdrawal of a rule regarding the Fair Credit Reporting Act’s preemption of state laws.
- The rule was published in the Federal Register on July 11, 2022, and May 12, 2025.
- The resolution aims to prevent the rule from having any legal effect.
Who is affected
- Bureau of Consumer Financial Protection
- Consumers
- State governments
- Financial institutions
- Fair Credit Reporting Act
Notable changes
- This resolution represents an attempt by Congress to override a Bureau action regarding state law preemption under the Fair Credit Reporting Act.
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119th CONGRESS — 2d Session
H. J. RES. 170
IN THE HOUSE OF REPRESENTATIVES
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 The Fair Credit Reporting Act’s Limited Preemption of State Laws
.
That Congress disapproves the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to The Fair Credit Reporting Act's Limited Preemption of State Laws (87 Fed. Reg. 41042 (July 11, 2022))
(90 Fed. Reg. 20084 (May 12, 2025)), and such rule shall have no force or effect.