This joint resolution utilizes the Congressional Review Act to express disapproval of a specific rule issued by the Bureau of Consumer Financial Protection (CFPB). The rule in question is the CFPB's action to withdraw its prior guidance, known as "Consumer Financial Protection Circular 2022-07: Reasonable Investigation of Consumer Reporting Disputes." By disapproving this withdrawal, Congress aims to ensure that the original circular, which outlines standards for how consumer reporting agencies should investigate disputes, remains in force. If this resolution is enacted, the CFPB's attempt to rescind its guidance on consumer reporting disputes would be nullified, maintaining existing protections or requirements related to such investigations.