A joint resolution 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 "Application of Regulation Z's Ability-To-Repay Rule to Certain Situations Involving Successors-In-Interest".

This joint resolution proposes to exercise congressional disapproval under the Congressional Review Act to nullify a specific rule issued by the Bureau of Consumer Financial Protection (BCFP). The BCFP's rule, published in May 2025, aimed 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 this withdrawal rule, Congress intends to prevent the BCFP from removing the existing framework that addresses how mortgage lenders assess the ability to repay for individuals who inherit or otherwise become successors to a mortgage loan. If enacted, this resolution would ensure that the original 2014 rule, which provided clarity on these protections, remains in effect, thereby preserving safeguards for successors-in-interest regarding mortgage obligations.