This joint resolution uses the Congressional Review Act to block a Consumer Financial Protection Bureau decision to withdraw its 2022 guidance on overdraft fees. The CFPB had issued guidance in 2022 aimed at limiting unexpected overdraft charges that consumers incur when their bank accounts go negative, but the agency moved to rescind that protection in 2025. The resolution would prevent the withdrawal from taking effect, essentially keeping the consumer protections in place. If passed by both chambers and signed by the President, the rule would have no legal force and the overdraft fee guidance would remain active. The measure directly affects banks and financial institutions that assess overdraft fees, as well as consumers who may face such charges.