This joint resolution would block the Consumer Financial Protection Bureau from withdrawing consumer protections against pay-to-pay fees charged by debt collectors. The CFPB had originally created rules in 2022 that limited when debt collectors could charge consumers extra fees for making payments through certain methods like credit cards or online portals, but the agency later decided to withdraw those protections in 2025. Senator Alsobrooks introduced this resolution to disapprove of the CFPB's decision to eliminate the fee restrictions, which would restore the original consumer protections. The resolution uses Congress's authority under the Congressional Review Act to overturn federal agency rules, and if passed by both chambers and signed by the president, it would prevent the CFPB from withdrawing the pay-to-pay fee limits. This affects consumers who are paying off debts and could face additional charges depending on how they choose to make their payments to debt collection agencies.