This joint resolution disapproves a rule by the Bureau of Consumer Financial Protection that would withdraw a 2015 guidance bulletin addressing in-person debt collection practices. If passed, the rule would be invalidated and have no legal effect, meaning the agency cannot proceed with withdrawing the original 2015 bulletin. The measure uses the Congressional Review Act, a procedure that allows Congress to overturn federal agency rules with a simple majority vote. The resolution affects debt collection companies and consumers who rely on the protections outlined in the original 2015 bulletin regarding how debt collectors can pursue consumers in person. No specific funding is allocated as this resolution simply blocks a regulatory action rather than establishing a new program.