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© 2026 Govwatch

SJRES144Referred 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 "Fair Credit Reporting Act; Preemption of State Laws".

Share:
Introduced
In Committee
3
Passed One Chamber
4
Passed Both
5
Signed into Law
119th
Congress
2026-03-25
Introduced
0
Cosponsors
SJRES
ⓘ
Type

Sponsor

Sheldon Whitehouse
Sheldon Whitehouse
Democrat · RI · Senator
Votes with party: 60.7% (318 recorded votes)

Full profile: /officials/W000802

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.

2026-03-25

Source: Congress.gov

Committee Activity

Currently in

  • Senate Committee on Banking, Housing, and Urban AffairsReferred To · 2026-03-25

Previously

  • Banking, Housing, and Urban Affairs CommitteeReferred To · 2026-03-25

Plain-English Summary

Congress is considering blocking a Consumer Financial Protection Bureau rule that would limit states' ability to enforce their own credit reporting laws that go beyond federal standards. If approved, this resolution would overturn the rule and allow states to maintain stricter protections for consumers dealing with credit reporting agencies. The decision affects both consumers seeking credit protections and financial companies operating across multiple states with different regulations.

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. 144 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. J. RES. 144 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 ``Fair Credit Reporting Act; Preemption of State Laws''. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES March 25, 2026 Mr. Whitehouse 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 ``Fair Credit Reporting Act; Preemption of State Laws''. 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 ``Fair Credit Reporting Act; Preemption of State Laws'' (90 Fed. Reg. 48710 (May 12, 2025)), and such rule shall have no force or effect. <all>
Open clean-text viewRead on Congress.gov →

Related legislation

Bills by the same sponsor or covering overlapping subjects.

  • S4571Tropospheric Ozone Research Act of 2026
    Referred to Committee · 2026-05-19
  • SJRES155A 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 "Fair Credit Reporting Act; Preemption of State Laws".
    Referred to Committee · 2026-05-13
  • SJRES188A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Environmental Protection Agency relating to "National Emission Standards for Hazardous Air Pollutants: Coal- and Oil-Fired Electric Utility Steam Generating Units: Final Repeal".
    Referred to Committee · 2026-05-12
  • S4404No Passes for Polluters Act of 2026
    Referred to Committee · 2026-04-27