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 2023-01: Unlawful Negative Option Marketing Practices".

This joint resolution aims to nullify a recent action by the Bureau of Consumer Financial Protection (CFPB) under the Congressional Review Act. Specifically, it seeks to disapprove the CFPB's rule that withdrew its prior guidance, **Consumer Financial Protection Circular 2023-01**, which addressed unlawful negative option marketing practices. By disapproving this withdrawal, the resolution intends to ensure that the original circular, which regulates these marketing practices, remains in effect. The resolution asserts that the CFPB's withdrawal rule shall have no force or effect, effectively reinstating the protections against negative option marketing. This legislative action reflects a congressional intent to maintain oversight on consumer financial protections related to marketing practices.