HJRES 182
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".
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Bill overview
This joint resolution seeks to overturn a rule issued by the Bureau of Consumer Financial Protection. The rule involved the withdrawal of a prior rule concerning unfair billing and collection practices related to student loan debt discharged in bankruptcy. Congress is using the process of congressional disapproval, as outlined in U.S. Code, to invalidate this specific Bureau rule.
Key provisions
- Congress disapproves the Bureau of Consumer Financial Protection rule.
- The rule’s withdrawal regarding Bulletin 2023-01 is specifically targeted.
- The rule’s provisions concerning student loan debt discharged in bankruptcy are affected.
- The resolution utilizes the congressional disapproval process.
- The rule is deemed to have no force or effect.
Who is affected
- Consumers with student loan debt
- The Bureau of Consumer Financial Protection
- Individuals affected by bankruptcy discharges of student loans
Notable changes
- This action attempts to reverse a recent Bureau of Consumer Financial Protection rule.
- It impacts the application of regulations regarding student loan debt in bankruptcy proceedings.
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119th CONGRESS — 2d Session
H. J. RES. 182
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 Bulletin 2023–01: Unfair Billing and Collection Practices After Bankruptcy Discharges of Certain Student Loan Debts
.
That Congress disapproves 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 (88 Fed. Reg. 17366 (March 23, 2023))
(90 Fed. Reg. 20084 (May 12, 2025)), and such rule shall have no force or effect.