Janelle Bynum (D-OR)
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 2023-01: Unfair Billing and Collection Practices After Bankruptcy Discharges of Certain Student Loan Debts".
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 provide 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 "Bulletin 2023-01: Unfair Billing and Collection Practices After Bankruptcy Discharges of Certain Student Loan Debts." If passed, the resolution states that the rule shall have no force or effect.
Yes· 3 of 7
- Scored +7
Does this give people more protection from unfair business practices?
The resolution prevents the withdrawal of protections against unfair billing and collection practices for student loan debts following bankruptcy discharges.
- Scored +6
Would households on low incomes be better off under this?
The resolution protects individuals from unfair billing and collection practices following bankruptcy, which disproportionately affects low-income earners.
- Scored +6
Would students be better off under this?
The resolution maintains protections against unfair debt collection specifically related to student loan debts.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- Maintaining previous protections: By disapproving the withdrawal of the rule, the resolution seeks to prevent the reversal of the rules established in "Bulletin 2023-01: Unfair Billing and Collection Practices After Bankruptcy Discharges of Certain Student Loan Debts (88 Fed. Reg. 17366 (March 23, 2023))".
Potential Negative Impacts for People
- No negative impacts specified: The provided text does not list specific negative consequences or burdens that would result from the passage of this resolution.
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? — The resolution protects individuals from unfair billing and collection practices following bankruptcy, which disproportionately affects low-income earners. Would students be better off under this? — The resolution maintains protections against unfair debt collection specifically related to student loan debts. Would people in their twenties and thirties be better off under this? — Protecting student loan debtors from unfair collection practices provides financial security for younger demographics often carrying such debt.
- Economy And Finance
- Does this give people more protection from unfair business practices? — The resolution prevents the withdrawal of protections against unfair billing and collection practices for student loan debts following bankruptcy discharges.
- Education And Technology
- Does this reduce what student borrowers owe or repay? — The resolution preserves protections that prevent unfair collection practices for those with student loan debts after a bankruptcy discharge.
- Social Issues And Justice
- Is this likely to lift people out of poverty? — Preventing unfair debt collection practices helps protect the financial stability of individuals emerging from bankruptcy.
- Governance And Ideology
- Does this make what the government does easier for the public to see? — The resolution represents an exercise of congressional oversight over agency rulemaking.
- 5/12/2026
- 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.