SJRES173Referred to Committee

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".

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Introduced
In Committee
3
Passed One Chamber
4
Passed Both
5
Signed into Law
119th
Congress
2026-04-13
Introduced
0
Cosponsors
SJRES
ⓘ
Type

Sponsor

Tammy Duckworth
Tammy Duckworth
Democrat · IL · Senator
Votes with party: 85.3% (798 recorded votes)

Full profile: /officials/D000622

Source: Congress.gov · FEC

Cosponsors (0)

Members who have signed on to support this bill since introduction. Source: Congress.gov.

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.

Latest Action

The most recent step in the bill's legislative path. Committee Activity below shows referrals and reports; the full action-by-action history including floor proceedings lives at Congress.gov →

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

2026-04-13

Source: Congress.gov

Committee Activity

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Plain-English Summary

Congress is attempting to block a decision by the Consumer Financial Protection Bureau that would undo protections requiring credit reporting companies to thoroughly investigate disputes when consumers challenge errors on their credit reports. If approved, this resolution would prevent the agency from withdrawing those consumer protections, keeping the rules in place that help people fix inaccurate information that could harm their credit scores and ability to get loans. The measure affects credit reporting agencies, consumers with disputed accounts, and lenders who rely on credit reports.

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.

Subjects

Finance and Financial Sector

Full Bill Text

Verbatim text published on Congress.gov via GovInfo. Use Cmd+F / Ctrl+F to search within this excerpt.

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [S.J. Res. 173 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. J. RES. 173 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 SENATE OF THE UNITED STATES April 13, 2026 Ms. Duckworth introduced the following joint resolution; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs _______________________________________________________________________ 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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