CFPB Circular 2022-04 Consumer Data Protection (Congressional Review)
Current understanding
To be populated as evidence accumulates.
Evidence log
- 2026-05-11 — 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 “Consumer Financial Protection Circular 2022-07: Reasonable Investigation of Consumer Reporting Disputes”.: SJRes 173 (119th Congress) introduced to disapprove under the CRA the CFPB’s withdrawal of Circular 2022-07 on reasonable investigation of consumer reporting disputes; referred to Senate Banking on 2026-04-13 — if enacted, the withdrawal is nullified and the guidance to furnishers/CRAs is effectively reinstated. (novelty: 2)
- 2026-04-13 — 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 “Consumer Financial Protection Circular 2022-07: Reasonable Investigation of Consumer Reporting Disputes”.: SJRES 173 (119th Congress) introduced to disapprove under the CRA the CFPB’s withdrawal of Circular 2022-07 on reasonable investigation of consumer reporting disputes; referred to Senate Banking, Housing, and Urban Affairs on 2026-04-13. If enacted, the withdrawal would be nullified and the guidance requiring furnishers/CRAs to conduct reasonable investigations of disputes would be effectively reinstated. (novelty: 2)
Open questions
Related
Contributing findings
Expanding Access to Credit through Consumer-Permissioned Data Act
18-jun-2026
novelty 2
per-area 2
mentions
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 "Consumer Financial Protection Circular 2022-07: Reasonable Investigation of Consumer Reporting Disputes".
11-may-2026
novelty 2
per-area 2
mentions
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 "Consumer Financial Protection Circular 2022-07: Reasonable Investigation of Consumer Reporting Disputes".
13-apr-2026
novelty 2
per-area 2
strengthens
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 "Bulletin 2023-01: Unfair Billing and Collection Practices After Bankruptcy Discharges of Certain Student Loan Debts".
26-mar-2026
novelty 2
per-area 2
mentions