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Congress·In Committee·S.J.Res. 140

Sen. Warnock Moves to Block CFPB Rule Allowing Name-Only Credit Report Matching

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 "Fair Credit Reporting; Name-Only Matching Procedures".

5 days ago·View on Congress.gov·Read full text

Legislative Progress

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Key Points

  • Sen. Warnock introduced a Congressional Review Act resolution to block the CFPB from withdrawing a 2021 rule that banned credit bureaus from using name-only matching to link records to consumers' credit files.

    From policy text

    “Congress disapproves the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to ``Fair Credit Reporting; Name-Only Matching Procedures, 86 Fed Reg. 62468 (November 10, 2021)'' (90 Fed. Reg. 20084 (May 12, 2025)), and such rule shall have no force or effect.”
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  • The original 2021 rule required credit reporting agencies to use more than just a person's name when matching debts, legal judgments, or other records to a consumer's credit file. Name-only matching frequently causes errors for people with common names, putting someone else's negative information on their report.
  • The CFPB published a withdrawal of the name-only matching rule in May 2025. If this resolution passes, that withdrawal would be nullified and the original consumer protection rule would remain in effect.

    From policy text

    “(90 Fed. Reg. 20084 (May 12, 2025)), and such rule shall have no force or effect.”
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  • The resolution was referred to the Senate Committee on Banking, Housing, and Urban Affairs, where it faces an uncertain path given the current political dynamics around consumer financial regulation.

    From policy text

    “read twice and referred to the Committee on Banking, Housing, and Urban Affairs”
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Economy FinanceCivil Rights

Impact Analysis

Personal Impact

Scores: 1 = low, 5 = highSentiment: -5 to +5 (net benefit)

Milestones

2 milestones2 actions
Mar 19, 2026Senate

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

Mar 19, 2026

Introduced in Senate

Source Information

Document Type

Congressional Bill

Official Title

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 "Fair Credit Reporting; Name-Only Matching Procedures".

Bill NumberSJRES 140
Congress119th Congress
ChamberSenate
Latest ActionRead twice and referred to the Committee on Banking, Housing, and Urban Affairs.
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Sponsor

Analysis generated by AI. Always verify with official sources.