Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
This resolution uses the Congressional Review Act to block a federal agency rule. If both chambers pass the joint resolution and the President signs it (or Congress overrides a veto), the named rule is invalidated and cannot take effect. The law also prevents the agency from issuing a substantially similar rule in the future without new legislation.
Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V), published at 90 Fed. Reg. 3276 (January 14, 2025).
Bureau of Consumer Financial Protection (CFPB)
Under the Congressional Review Act, a disapproval resolution receives expedited consideration in the Senate and cannot be filibustered, so passage requires only a simple majority in each chamber; it must then be presented to the President for signature or veto. Congress has a limited time window after the rule's submission to introduce and act on such a resolution.
This joint resolution invokes the Congressional Review Act to disapprove and nullify a Bureau of Consumer Financial Protection (CFPB) rule titled "Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)" (90 Fed.
Reg. 3276, Jan 14, 2025).
If enacted, the resolution would strip that CFPB rule of legal effect and prevent it from taking force.
Content is narrow and procedurally eligible for CRA fast-track, so plausible if Congressional majority and executive branch align; otherwise unlikely.
Relative to its intended legislative type, this bill is a concise, standard Congressional Review Act disapproval resolution that clearly identifies the targeted rule and states the dispositive legal effect.
Progressives emphasize medical privacy and anti-discrimination protections
These are examples from the analysis, not a ranked list of the most-affected groups.
Progressives emphasize medical privacy and anti-discrimination protections
Likely opposes the resolution because it nullifies a CFPB rule that restricts use and sharing of medical information by creditors and consumer reporting agencies.
Views this as a rollback of consumer privacy and anti-discrimination protections for sensitive health data.
Takes a cautious, mixed view.
Sees tradeoffs between consumer privacy protections and regulatory costs or unintended credit market effects.
Favors a targeted fix or careful cost-benefit review rather than an outright, permanent disapproval if possible.
Likely supports the resolution as regulatory relief and a check on CFPB rulemaking.
Views disapproval as protecting lender flexibility and preventing an overbroad restriction on credit underwriting and reporting practices.
Reached or meaningfully advanced
Reached or meaningfully advanced
Still ahead
Still ahead
Still ahead
Content is narrow and procedurally eligible for CRA fast-track, so plausible if Congressional majority and executive branch align; otherwise unlikely.
The bill has not accumulated any surfaced votes yet.
Progressives emphasize medical privacy and anti-discrimination protections
Content is narrow and procedurally eligible for CRA fast-track, so plausible if Congressional majority and executive branch align; otherwis…
Relative to its intended legislative type, this bill is a concise, standard Congressional Review Act disapproval resolution that clearly identifies the targeted rule and states the dispositive legal effect.
Go beyond the headline summary with full stakeholder mapping, legislative design analysis, passage barriers, and lens-by-lens tradeoff breakdowns.