S.J.Res. 129 – CRA Disapproval of CFPB FCRA Preemption Rule Withdrawal

Current understanding

To be populated as evidence accumulates.

Evidence log

• 2026-03-26 — 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 2022-01: Medical Debt Collection and Consumer Reporting Requirements in Connection with the No Surprises Act”.: cross-connection with sjres148-cfpb-medical-debt-bulletin-withdrawal: Companion CRA resolutions in a broader series contesting CFPB withdrawals of consumer-reporting guidance and rules. (novelty: 3)
• 2026-05-13 — 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 “The Fair Credit Reporting Act’s Limited Preemption of State Laws”.: 2026-05-13 — Senate rejected the motion to proceed on S.J.Res. 129 by voice vote, so the CFPB’s withdrawal of its FCRA limited-preemption rule stands; states retain existing latitude to legislate on consumer credit reporting to the extent the withdrawal preserves, and no CRA reversal alters companies’ compliance posture. (novelty: 2)

Open questions

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