S.J.Res. 145Heading to a voteJobs & the economy
Senate bill targets CFPB's scrapped credit report rule
Data as of July 11, 2026
Congress is voting on whether to block the CFPB from canceling a 2022 rule about who can access your credit report.40-second read · 4 questions answered below
Decoded
What does this do?
This resolution would cancel the CFPB's May 2025 decision to withdraw a rule it had proposed in 2022. That 2022 rule was meant to set clearer limits on who can access, share, or use information from a person's credit report and why. If this resolution passes, the CFPB's withdrawal of that rule would have no legal effect.
Who does it affect?
This affects everyday Americans who have credit reports. It also affects lenders, employers, landlords, and other businesses that request or use credit information.
Why does it matter?
The question of what counts as a legitimate reason to access someone's credit file would remain an open regulatory matter. The rules around credit report access would not be considered settled.
Where does it stand?
- Introduced
- Senate committee
- Senate vote — You are here
- House
- President's desk
Right now: it's headed for a Senate floor vote. If the House changes it, it goes back to the Senate before reaching the President.
AI-drafted summary. Verify it against the official text before you act on it.
Three steps: where you stand, your script, the call.
Make the callSee how a call works
Official title
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".
- Introduced:
- March 25, 2026
- Latest action:
- April 27, 2026
Placed on Senate Legislative Calendar under General Orders. Calendar No. 394.
Read the official bill on Congress.govMake the call
Three steps: where you stand, your script, the call.