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".

This joint resolution seeks to overturn a federal rule issued by the Bureau of Consumer Financial Protection regarding the Fair Credit Reporting Act and state law preemption. If passed, it would nullify the rule, allowing states to maintain their own regulations on credit reporting rather than following the federal standard. The measure directly affects credit reporting agencies, financial institutions, and state lawmakers by restoring state authority over credit reporting practices. It uses the Congressional Review Act process to disapprove the specific regulation without creating new policy changes.