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".

Key Points

• This resolution would cancel a CFPB rule about how federal credit reporting law overrides state laws. If passed, the rule would lose all legal authority.
• The CFPB rule in question was published in October 2025 and addressed which state consumer protection laws related to credit reporting are blocked ("preempted") by the federal Fair Credit Reporting Act. Without this rule, states may have more freedom to enforce their own stricter credit reporting protections.
• Sen. Whitehouse introduced this resolution using the Congressional Review Act, a special fast-track process that lets Congress vote to throw out recently finalized agency rules. If it passes and is signed into law, the CFPB would be blocked from issuing a substantially similar rule in the future unless Congress passes a new law allowing it.
• This matters to consumers because credit reports affect your ability to get loans, rent apartments, and sometimes even get jobs. The outcome determines whether states can add extra layers of protection beyond what federal law requires.