Joyce Beatty (D-OH)
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 2012-04: Lending discrimination (April 18, 2012)".
A Democratic resolution with no cosponsors
Last activity — Referred to the House Committee on Financial Services.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
This joint resolution aims to disapprove a specific rule submitted by the Bureau of Consumer Financial Protection. The rule in question involves the withdrawal of a rule regarding "Bulletin 2012-04: Lending discrimination (April 18, 2012)." If passed, the resolution would ensure that the rule submitted by the Bureau has no force or effect. This action is being taken under chapter 8 of title 5, United States Code.
Yes
No question was scored yes.
The opposite· 3 of 7
- Scored -4
Does this give people more protection from unfair business practices?
The resolution disapproves a rule that would have withdrawn guidance on lending discrimination, potentially weakening consumer protections against discriminatory lending practices.
- Scored -3
Would households on low incomes be better off under this?
The resolution protects against the withdrawal of lending discrimination guidance which is a tool meant to protect low-income borrowers from unfair practices.
- Scored -3
Would Black Americans be better off under this?
Preventing the withdrawal of lending discrimination guidance helps maintain protections against racial disparities in credit access.
Who it would affect, and how
Potential Positive Impacts for People
The provided text does not list any specific positive impacts or benefits for individuals or groups of people.
Potential Negative Impacts for People
The provided text does not list any specific negative impacts or burdens for individuals or groups of people.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would Black Americans be better off under this? — Preventing the withdrawal of lending discrimination guidance helps maintain protections against racial disparities in credit access. Would Asian Americans be better off under this? — The resolution acts to maintain regulatory focus on preventing lending discrimination. Would Hispanic Americans be better off under this? — The resolution opposes the removal of guidelines intended to prevent lending discrimination against minority groups. Would households on low incomes be better off under this? — The resolution protects against the withdrawal of lending discrimination guidance which is a tool meant to protect low-income borrowers from unfair practices.
- Economy And Finance
- Does this give people more protection from unfair business practices? — The resolution disapproves a rule that would have withdrawn guidance on lending discrimination, potentially weakening consumer protections against discriminatory lending practices.
- Social Issues And Justice
- Does this narrow racial gaps in how people are treated? — By disapproving the withdrawal of lending discrimination guidance, the resolution seeks to prevent the weakening of protections that help narrow racial gaps in lending.
- Governance And Ideology
- Does this give the federal government more power? — The resolution uses congressional disapproval to block a Bureau of Consumer Financial Protection rule, which acts as a check on agency regulatory shifts.
- 4/30/2026
- Referred to the House Committee on Financial Services.
- Introduced in House
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.