This joint resolution seeks to exercise congressional disapproval over a specific rule promulgated by the Bureau of Consumer Financial Protection (BCFP). The rule, titled "Fair Credit Reporting Act; Preemption of State Laws," was published in the Federal Register on October 28, 2025. By utilizing the authority granted under chapter 8 of title 5, United States Code, Congress intends to invalidate this BCFP regulation. If passed, the resolution would ensure that the BCFP's rule regarding the preemption of state laws under the Fair Credit Reporting Act would have no legal force or effect. This action would effectively prevent the BCFP from altering the current balance between federal and state authority concerning credit reporting regulations.