Tammy Duckworth (D-IL)
A joint resolution 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 — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
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 overturn a rule submitted by the Bureau of Consumer Financial Protection. The rule in question involves the withdrawal of a previous rule regarding "Consumer Financial Protection Circular 2022-07: Reasonable Investigation of Consumer Reporting Disputes." By passing this resolution, Congress would express its disapproval of that withdrawal. If successful, the rule submitted by the Bureau would have no force or effect.
Yes· 3 of 4
- Scored +5
Does this give people more protection from unfair business practices?
The resolution prevents the withdrawal of rules regarding the reasonable investigation of consumer reporting disputes, thereby maintaining protections for consumer credit data.
- Scored +3
Would households on low incomes be better off under this?
Maintaining standards for consumer reporting disputes helps protect low-income individuals who rely heavily on accurate credit information.
- Scored +3
Would middle-income households be better off under this?
Ensuring the Bureau maintains its standards for investigating disputes helps protect the credit integrity of middle-income families.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- Maintenance of Previous Standards: By disapproving the withdrawal, this resolution aims to prevent the Bureau from undoing the rule established in "Consumer Financial Protection Circular s 2022-07: Reasonable Investigation of Consumer Reporting Disputes" (87 Fed. Reg. 71507 (November 23, 2022)).
Potential Negative Impacts for People
- No specific negative impacts are detailed in 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 standards for consumer reporting disputes helps protect low-income individuals who rely heavily on accurate credit information. Would middle-income households be better off under this? — Ensuring the Bureau maintains its standards for investigating disputes helps protect the credit integrity of middle-income families.
- Economy And Finance
- Does this give people more protection from unfair business practices? — The resolution prevents the withdrawal of rules regarding the reasonable investigation of consumer reporting disputes, thereby maintaining protections for consumer credit data.
- Governance And Ideology
- Does this make what the government does easier for the public to see? — The resolution acts as a legislative check on a regulatory agency's decision to withdraw established consumer protection guidance.
- 4/13/2026
- Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Introduced in Senate
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.