Placed on Senate Legislative Calendar under General Orders. Calendar No. 393.
This resolution uses the Congressional Review Act to reject a recent rule submitted by the Bureau of Consumer Financial Protection that would have withdrawn a prior CFPB rule about medical debt collection. If enacted, it declares that withdrawal rule to have no force or effect, which means the earlier CFPB rule remains in place. The law also prevents the agency from issuing a substantially similar withdrawal again without new authorization from Congress. To take effect this joint resolution must become law like other bills, by passage in both chambers and the President's signature (or a successful veto override).
The rule submitted by the Bureau of Consumer Financial Protection to withdraw "Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt," published at 90 Fed. Reg. 20084 (May 12, 2025).
Bureau of Consumer Financial Protection (CFPB)
Under the Congressional Review Act, disapproval resolutions are considered under expedited procedures and in the Senate are not subject to a filibuster and need only a simple majority to pass; the joint resolution still must become law by the President's signature or a veto override.
This joint resolution under the Congressional Review Act disapproves the Bureau of Consumer Financial Protection's rule that withdrew an earlier CFPB rule on deceptive and unfair medical-debt collection under Regulation F.
If enacted, the disapproval nullifies the CFPB action withdrawing the medical-debt collection rule, so the earlier rule would remain in effect.
The text cites the Federal Register entries for the withdrawal (90 Fed.
Content is narrow and administratively targeted, but likely partisan, requires both chambers and presidential approval or veto override.
Relative to its intended legislative type, this bill is a narrowly focused Congressional Review Act disapproval resolution that clearly identifies the targeted agency action and states the operative effect. It cites the statutory authority and Federal Register references necessary to accomplish that narrow legal effect.
Liberals emphasize consumer protection; conservatives emphasize regulatory burden.
These are examples from the analysis, not a ranked list of the most-affected groups.
Liberals emphasize consumer protection; conservatives emphasize regulatory burden.
Likely strongly supportive because the resolution preserves a CFPB rule that limits deceptive and unfair medical-debt collection practices.
Seen as protecting consumers, low-income patients, and reducing abusive debt collection harms.
Cautiously supportive but pragmatic; values consumer protections but wants clear cost-benefit justification and mitigation for small firms.
Concerned about administrative process and potential unintended consequences.
Likely opposed because the resolution nullifies the CFPB's decision to withdraw a burdensome regulatory rule.
Viewed as expanding federal oversight and imposing costs on businesses and credit markets.
Reached or meaningfully advanced
Reached or meaningfully advanced
Still ahead
Still ahead
Still ahead
Content is narrow and administratively targeted, but likely partisan, requires both chambers and presidential approval or veto override.
The Senate declined to take up this bill. It cannot be debated or voted on unless the motion is tried again.
Liberals emphasize consumer protection; conservatives emphasize regulatory burden.
Content is narrow and administratively targeted, but likely partisan, requires both chambers and presidential approval or veto override.
Relative to its intended legislative type, this bill is a narrowly focused Congressional Review Act disapproval resolution that clearly identifies the targeted agency action and states the operative effect. It cites the…
Go beyond the headline summary with full stakeholder mapping, legislative design analysis, passage barriers, and lens-by-lens tradeoff breakdowns.