This joint resolution seeks to block the Consumer Financial Protection Bureau (CFPB) from withdrawing a 2023 rule designed to prevent unfair billing and collection practices against borrowers whose student loans were discharged in bankruptcy. The CFPB attempted to withdraw this protection rule in May 2025, and this legislation would reverse that action and reinstate the original protections. If passed, the rule withdrawal would be nullified and have no legal effect, meaning the original 2023 protections for bankrupt student loan borrowers would remain in place. The resolution uses Congress's congressional review authority under federal law to disapprove agency rules, allowing lawmakers to overturn regulatory decisions without requiring presidential approval. This bill directly affects student loan borrowers seeking bankruptcy protection and debt collection companies, as it determines whether lenders can continue certain billing practices after a student loan debt has been legally discharged.