119th (2025–2027)
S.J.Res. 148
This joint resolution would block the Consumer Financial Protection Bureau from withdrawing its 2022 guidance on medical debt collection and consumer reporting requirements. The guidance, known as Bulletin 2022-01, established protections related to the No Surprises Act, which limits unexpected medical bills. By invoking the Congressional Review Act, this resolution would use Congress's authority to disapprove of the agency's rule and prevent it from taking effect, thereby keeping the 2022 medical debt protections in place. The resolution affects debt collectors, credit reporting agencies, and consumers dealing with medical debt. If passed by both chambers and signed into law, the withdrawal rule would be invalidated and have no legal effect.