A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Fair Credit Reporting Act; Preemption of State Laws"

**Who it affects:** - Consumers who use credit reports for loans, rentals, jobs, etc. - Credit reporting agencies like Experian, Equifax, and TransUnion - Lenders, landlords, and employers who check credit reports - State governments that regulate credit reporting **What would change:** If passed, it would prevent the CFPB rule from taking effect, maintaining the previous legal framework for how federal and state credit reporting laws work together. The specific impacts would depend on what the original CFPB rule required. **Current status:** The resolution is in committee and has not been voted on yet.