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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 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 uses the Congressional Review Act to disapprove a rule issued by the Consumer Financial Protection Bureau in May 2025. The CFPB rule withdrew Consumer Financial Protection Circular 2023-02, which addressed the practice of banks reopening deposit accounts that consumers had previously closed. If approved, this resolution would prevent the CFPB's withdrawal from taking effect, meaning the original circular on reopening accounts would remain in effect. The joint resolution declares that the CFPB rule shall have no force or effect. This is a disapproval action under the Congressional Review Act procedures in chapter 8 of title 5, United States Code.
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)
- Mar 25, 2026 Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. · senate
- Mar 25, 2026 Introduced in Senate
Similar bills (6)
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Full text
IN THE SENATE OF THE UNITED STATES
March 25, 2026
Mr. Whitehouse introduced the following joint resolution; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs
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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