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 "The Fair Credit Reporting Act's Limited Preemption of State Laws".

This joint resolution aims to overturn a specific rule issued by the Bureau of Consumer Financial Protection (BCFP) using the Congressional Review Act. The BCFP rule, published in May 2025, concerned the withdrawal of a prior interpretive rule.

That prior rule, issued in July 2022, had clarified the scope of the Fair Credit Reporting Act's (FCRA) limited preemption of state laws. By withdrawing this clarification, the BCFP effectively removed guidance on how state laws interact with FCRA.

Congress, through this resolution, expresses its disapproval of the BCFP's action to withdraw that interpretive rule. If this resolution is enacted, the BCFP's withdrawal rule would be rendered without force or effect.

This would effectively reinstate the BCFP's original guidance regarding the limited preemption of state laws under the Fair Credit Reporting Act, impacting consumer financial protection and state regulatory authority.