This joint resolution aims to exercise congressional disapproval, under the Congressional Review Act, of a specific rule issued by the Bureau of Consumer Financial Protection. The rule in question involves the Bureau's decision to withdraw a prior regulation concerning the application of Regulation Z's ability-to-repay rule to certain situations involving successors-in-interest . By disapproving the Bureau's withdrawal rule, Congress intends to prevent the nullification of the original 2014 regulation. This action would effectively ensure that the provisions of the 2014 rule, which address how the ability-to-repay requirements apply to individuals who inherit or otherwise succeed to an interest in a mortgage, remain in effect. The resolution states that if passed, the Bureau's withdrawal rule "shall have no force or effect," thereby preserving the existing framework for successors-in-interest under Regulation Z.