119th (2025–2027)
H.J.Res. 161
This joint resolution disapproves a decision by the Bureau of Consumer Financial Protection to withdraw an older guidance document on lending discrimination known as "Bulletin 2012-04" from April 2012. If passed, the resolution would block the CFPB's withdrawal and keep the original anti-discrimination guidance in effect. The measure uses Congress's authority under federal law to overturn agency rules it opposes, a process that requires approval from both chambers of Congress. The legislation targets protections related to discriminatory lending practices in consumer financial services and would affect how banks and lenders must comply with fair lending standards. No specific funding is allocated as this resolution simply prevents an existing rule from being withdrawn rather than creating new programs or spending.