This joint resolution would block the Consumer Financial Protection Bureau from withdrawing a 2023 rule that protects borrowers from unfair billing and collection practices on student loans that have been discharged through bankruptcy. The rule, known as Bulletin 2023-01, prevents creditors from attempting to collect on student loan debts that are no longer legally owed following a bankruptcy discharge. The CFPB attempted to reverse this protection in May 2025, and this resolution would prevent that withdrawal from taking effect, ensuring the consumer protections remain in place. The measure uses the congressional disapproval process, which allows Congress to overturn agency rules it deems problematic. If passed by both chambers and signed into law, the student loan bankruptcy protections would remain enforceable.