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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 2023-02: Reopening Deposit Accounts That Consumers Previously Closed".
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 2023-02: Reopening Deposit Accounts That Consumers Previously Closed''.
Summary
This joint resolution disapproves a rule by the Bureau of Consumer Financial Protection that withdrew guidance requiring banks to reopen deposit accounts that consumers previously closed. The guidance, known as Consumer Financial Protection Circular 2023-02, was originally issued in May 2023 but was withdrawn by the CFPB in May 2025. If passed, this resolution would invalidate the CFPB's withdrawal and reinstate the guidance. Under the Congressional Review Act, this type of resolution allows Congress to overturn regulatory rules.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
Actions (2)
- May 4, 2026 Referred to the House Committee on Financial Services. · house
- May 4, 2026 Introduced in House
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Full text
IN THE HOUSE OF REPRESENTATIVES
May 4, 2026
Mr. Meeks submitted the following joint resolution; which was referred to the Committee on Financial Services
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 2023-02: Reopening Deposit Accounts That Consumers Previously Closed”.
Resolved by the Senate and House of Representatives of the United States of America in Congress assembled, 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 2023-02: Reopening Deposit Accounts That Consumers Previously Closed (88 Fed. Reg. 33545 (May 24, 2023))” (90 Fed. Reg. 20084 (May 12, 2025)), and such rule shall have no force or effect. <all>
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