This joint resolution uses the Congressional Review Act to block the Consumer Financial Protection Bureau from withdrawing a 2022 rule about credit reporting. The CFPB had issued regulations in 2022 that restricted when companies could access and use consumer credit reports, but then tried to withdraw those protections in 2025. Congress is now stepping in to prevent that withdrawal, which would keep the original consumer protections in place. The resolution affects anyone whose credit information is accessed by employers, landlords, insurers, and other businesses, as it would maintain stricter limits on how these entities can obtain and use credit reports. If passed, this resolution would immediately restore the 2022 credit reporting restrictions that the CFPB attempted to remove.