HJRES 181
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".
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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 rule, Consumer Financial Protection Circular 2022-07, which dealt with how consumer reporting disputes should be investigated. Congress is using the process outlined in Title 5 of the United States Code to disapprove this specific rule and prevent it from being implemented.
Key provisions
- Congress is exercising its authority to disapprove federal agency rules.
- The resolution targets a specific rule related to consumer reporting disputes.
- It specifically references Bureau of Consumer Financial Protection rule withdrawal.
- The rule in question was outlined in Consumer Financial Protection Circular 2022-07.
- The resolution aims to nullify the effects of the disapproved rule.
Who is affected
- Consumers
- Consumer Reporting Agencies
- Bureau of Consumer Financial Protection
- Individuals impacted by consumer reporting disputes
Notable changes
- This action could alter the procedures for investigating consumer reporting disputes.
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119th CONGRESS — 2d Session
H. J. RES. 181
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 Consumer Financial Protection Circular 2022–07: Reasonable Investigation of Consumer Reporting Disputes
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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 2022–07: Reasonable Investigation of Consumer Reporting Disputes (87 Fed. Reg. 71507 (November 23, 2022))
(90 Fed. Reg. 20084 (May 12, 2025)), and such rule shall have no force or effect.