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".

Sylvia R. Garcia

Democrat · TX · Representative

Source: Congress.gov · FEC

No cosponsors on record. Bills can pass without cosponsors — this often means the sponsor introduced the bill alone, either because it's a messaging bill, a chairman's mark, or simply early in the legislative cycle.

Referred to the House Committee on Financial Services.

2026-05-11

Source: Congress.gov

Congress would reject a decision by the Consumer Financial Protection Bureau to withdraw its guidance on how credit reporting companies should investigate disputes from consumers about errors on their credit reports. This would restore the agency's previous rules requiring credit bureaus to conduct reasonable investigations when consumers challenge inaccurate information. The change would affect credit reporting companies and consumers who dispute errors on their credit files.

AI-assisted summary generated from the official bill metadata (title, subjects, actions) sourced from Congress.gov. Cached and reviewed. Always verify against the official text linked below.

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.J. Res. 181 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. J. RES. 181 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''. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES May 11, 2026 Ms. Garcia of Texas submitted the following joint resolution; which was referred to the Committee on Financial Services _______________________________________________________________________ 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''. Resolved by the Senate and House of Representatives of the United States of America in Congress assembled, That Congress disapproves 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 (87 Fed. Reg. 71507 (November 23, 2022))'' (90 Fed. Reg. 20084 (May 12, 2025)), and such rule shall have no force or effect. <all>

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