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 the withdrawal of the rule relating to "Fair Credit Reporting; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports"

**Who it affects:** Anyone with a credit report (most adult Americans), plus businesses that use credit reports for hiring, lending, insurance, or other purposes. **What would change:** If passed, this resolution would restore the previous CFPB rule that limited when and how companies could obtain and use your credit report information. Without it, the CFPB's withdrawal of those protections would stand, potentially giving businesses broader access to consumer credit information. **Current status:** The resolution is still in committee, meaning Congress hasn't voted on it yet. It would need approval from both chambers of Congress to take effect.