This joint resolution uses the Congressional Review Act to overturn a recent decision by the Consumer Financial Protection Bureau to withdraw an equal credit opportunity rule. The CFPB had originally created a rule in 2022 that protected consumers from having their existing credit terms revoked or made worse unfairly, but then withdrew that rule in May 2025. Congress is now stepping in to disapprove the CFPB's withdrawal, which would effectively restore the original consumer protection rule. The resolution would primarily affect borrowers who have existing credit arrangements like credit cards, loans, or lines of credit, protecting them from arbitrary negative changes to their terms. If passed, this measure would nullify the CFPB's decision to withdraw the rule and restore the protections that were in place.