This joint resolution seeks to exercise congressional authority under the Congressional Review Act to reject a specific rule promulgated by the Bureau of Consumer Financial Protection (CFPB). The rule targeted for disapproval is the CFPB's decision to withdraw its earlier guidance, known as Circular 2023-02 , which provided instructions concerning the reopening of deposit accounts that consumers had previously closed. The resolution explicitly states that Congress disapproves this withdrawal rule, declaring it to have no force or effect. Consequently, if this resolution is enacted, the CFPB's attempt to remove Circular 2023-02 would be nullified, thereby ensuring that the guidance related to the reopening of consumer deposit accounts remains in place or is reinstated.