This joint resolution uses the Congressional Review Act to block a decision by the Bureau of Consumer Financial Protection (CFPB) to withdraw its 2022 guidance on returned deposited item fees charged by banks. The CFPB's 2022 bulletin addressed what it considered unfair practices when banks charge customers excessive fees for bounced checks and returned deposits. By introducing this disapproval resolution, Senator Lujan is attempting to prevent the CFPB from abandoning that consumer protection guidance. If passed by both chambers of Congress, this resolution would nullify the CFPB's withdrawal decision and reinstate the protections outlined in the original 2022 bulletin, effectively keeping the fee guidance in place. The resolution directly affects consumers who use banking services and the banks that charge returned item fees, potentially limiting how much those institutions can charge for bounced checks.