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 withdrawal of the rule relating to "Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-In Practices".

This joint resolution seeks to disapprove a Bureau of Consumer Financial Protection rule that would have removed a previous regulation on improper overdraft opt-in practices. The bill directly affects the Bureau's ability to withdraw the earlier rule and would prevent the new rule from taking effect. If passed, the original Consumer Financial Protection Circular 2024-05 regarding overdraft opt-in practices would remain in force. The measure uses the Congressional Review Act process to block the agency's action without changing the underlying financial regulations themselves.