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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 "Fair Credit Reporting; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports".
S. J. RES. 145 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 ``Fair Credit Reporting; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports''.
Summary
This joint resolution would disapprove of and invalidate a Consumer Financial Protection Bureau rule that withdrew a 2022 regulation addressing permissible purposes for furnishing, using, and obtaining consumer reports in fair credit reporting. If passed, the resolution would prevent the Bureau's withdrawal of the regulation from taking effect, keeping the original fair credit reporting regulation in force. The resolution uses the Congressional Review Act process, which allows Congress to overturn federal agency 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)
- Sen. Wyden, Ron [D-OR] (D-OR)
Actions (5)
- May 13, 2026 Motion to proceed to consideration of measure rejected in Senate by Voice Vote. (consideration: CR S2266-2267) · senate
- Apr 27, 2026 Placed on Senate Legislative Calendar under General Orders. Calendar No. 394. · senate
- Apr 27, 2026 Senate Committee on Banking, Housing, and Urban Affairs discharged, by petition, pursuant to 5 U.S.C. 802(c). · senate
- Mar 25, 2026 Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. · senate
- Mar 25, 2026 Introduced in Senate
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Full text
IN THE SENATE OF THE UNITED STATES
March 25, 2026
Mr. Wyden introduced the following joint resolution; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs
April 27, 2026
Committee discharged, by petition, pursuant to 5 U.S.C. 802(c), and placed on the calendar
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 “Fair Credit Reporting; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports”.
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 “Fair Credit Reporting; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports (87 Fed. Reg. 41243 (July 12, 2022))” (90 Fed. Reg. 20084 (May 12, 2025)), and such rule shall have no force or effect.
Calendar No. 394
119th CONGRESS
2d Session
S. J. RES. 145
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 “Fair Credit Reporting; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports”.
April 27, 2026
Committee discharged, by petition, pursuant to 5 U.S.C. 802(c), and placed on the calendar
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