This joint resolution utilizes the Congressional Review Act to express disapproval of a specific action taken by the Bureau of Consumer Financial Protection (BCFP). The BCFP had issued a rule to withdraw its "Bulletin 2022-04: Mitigating Harm From Repossession of Automobiles," which provided guidance on protecting consumers during vehicle repossessions. By disapproving this withdrawal rule, Congress aims to nullify the BCFP's action. If passed, the BCFP's withdrawal of Bulletin 2022-04 would have no force or effect , effectively ensuring that the guidance on mitigating harm from auto repossessions remains in place.