This joint resolution seeks to invoke the Congressional Review Act to disapprove a specific rule promulgated by the Bureau of Consumer Financial Protection (CFPB) . The rule in question pertains to the CFPB's decision to withdraw its own guidance document , known as "Consumer Financial Protection Circular 2024-03: Unlawful and Unenforceable Contract Terms and Conditions." By passing this resolution, Congress aims to nullify the CFPB's withdrawal action, thereby ensuring that the original circular remains in effect. Circular 2024-03 provides important guidance to financial institutions regarding contract provisions that may be deemed unlawful or unenforceable, ultimately serving to protect consumers. The resolution's enactment would therefore preserve the CFPB's efforts to address problematic terms in consumer financial contracts.