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 "Bulletin 2023-01: Unfair Billing and Collection Practices After Bankruptcy Discharges of Certain Student Loan Debts".

This joint resolution proposes congressional disapproval, under the Congressional Review Act, of a specific rule issued by the Bureau of Consumer Financial Protection (BCFP). The BCFP rule in question sought to withdraw a prior guidance document that provided important consumer protections. The guidance document, known as "Bulletin 2023-01," outlined measures to prevent unfair billing and collection practices for certain student loan debts that have been discharged through bankruptcy. This bulletin aimed to clarify expectations for financial institutions regarding these debts. By passing this resolution, Congress would effectively block the BCFP's attempt to rescind Bulletin 2023-01. The primary impact would be to ensure that the BCFP's original guidance regarding protections for consumers with discharged student loan debts remains in force, preventing creditors from engaging in prohibited collection activities.