This joint resolution aims to exercise congressional disapproval under the Congressional Review Act, targeting a specific rule issued by the Bureau of Consumer Financial Protection (CFPB). The rule in question sought to withdraw the CFPB's earlier guidance, known as "Bulletin 2012-04: Lending discrimination." By disapproving this withdrawal rule, Congress intends to prevent the CFPB from rescinding its guidance on preventing discriminatory lending practices. If this resolution is passed and enacted, the CFPB's rule to withdraw the bulletin would have no force or effect . This action would effectively ensure that the 2012 bulletin on lending discrimination remains active or is reinstated, underscoring congressional intent to maintain federal oversight and guidance regarding fair lending.