This joint resolution disapproves of a rule by the Bureau of Consumer Financial Protection that would withdraw an earlier rule on fair credit reporting practices. The earlier rule, originally published in 2022, established standards for the permissible purposes for which credit reporting agencies and other companies can furnish, use, and obtain consumer credit reports. By passing this resolution, Congress would block the CFPB's attempt to reverse that consumer protection rule, meaning the original fair credit reporting standards would remain in place. The resolution uses the congressional disapproval process outlined in federal law, which allows Congress to reject agency rules. If approved by both chambers and signed by the President, the CFPB's withdrawal rule would have no legal effect.