Sylvia Garcia (D-TX)
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 "Consumer Financial Protection Circular 2022-07: Reasonable Investigation of Consumer Reporting Disputes".
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 seeks to express congressional disapproval of a rule submitted by the Bureau of Consumer Financial Protection. The rule in question relates to the withdrawal of a previous rule regarding "Consumer Financial Protection Circular 2022-07: Reasonable Investigation of Consumer Reporting Disputes." If passed, this resolution would ensure that the Bureau's rule has no force or effect. It was introduced by Ms. Garcia of Texas and referred to the Committee on Financial Services.
Yes· 3 of 9
- Scored +5
Does this give people more protection from unfair business practices?
The resolution prevents the withdrawal of standards regarding the reasonable investigation of consumer reporting disputes, thereby maintaining consumer protections.
- Scored +3
Would households on low incomes be better off under this?
Maintaining consumer reporting dispute standards helps protect low-income individuals who rely on accurate credit reporting.
- Scored +3
Would middle-income households be better off under this?
The resolution preserves consumer protections that assist middle-class individuals in resolving reporting errors.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- There are no specific positive impacts or benefits for individuals or groups of people listed within the provided text.
Potential Negative Impacts for People
- There are no specific negative impacts or burdens for individuals or groups of people listed within the provided text.
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 households on low incomes be better off under this? — Maintaining consumer reporting dispute standards helps protect low-income individuals who rely on accurate credit reporting. Would middle-income households be better off under this? — The resolution preserves consumer protections that assist middle-class individuals in resolving reporting errors. Would Black Americans be better off under this? — Maintaining consumer reporting standards can help mitigate inaccuracies in credit reporting that disproportionately affect minority communities. Would Asian Americans be better off under this? — The resolution maintains protections for accurate consumer credit reporting. Would Hispanic Americans be better off under this? — Preserving the investigation standards helps protect Hispanic consumers from reporting errors. Would people in cities be better off under this? — Preserving consumer reporting protections benefits urban residents who utilize credit services. Would white Americans be better off under this? — The resolution upholds standards for the investigation of consumer reporting disputes.
- Economy And Finance
- Does this give people more protection from unfair business practices? — The resolution prevents the withdrawal of standards regarding the reasonable investigation of consumer reporting disputes, thereby maintaining consumer protections.
- Governance And Ideology
- Does this make what the government does easier for the public to see? — The resolution acts as an exercise of congressional oversight over agency rule-making processes.
- 5/11/2026
- 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.