Contact Congress about H.J.Res. 165: 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".

This resolution would undo a CFPB rule that withdrew an earlier credit reporting rule. It would not write new credit report rules itself. The practical result depends on what rules apply after the withdrawal is canceled.

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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". is a House bill in committee. The latest recorded action: Referred to the House Committee on Financial Services.

Latest action on H.J.Res. 165: Referred to the House Committee on Financial Services.

Who this affects: This bill mainly affects people and businesses tied to credit reports. That includes consumers whose reports may be checked for loans, housing, jobs, or other services. It also affects lenders, landlords, employers, credit reporting companies, and other businesses that get or use consumer reports. The CFPB would also be affected because Congress would cancel its withdrawal rule and could limit similar future action.

Why this matters: Credit reports can affect whether people get loans, housing, jobs, and other services. This resolution could change which federal rules control when companies may get and use those reports. It also matters because Congress would be using a special process to overturn an agency rule. That process can make it harder for the agency to issue a similar rule later, depending on how the law is applied.

Key provisions in H.J.Res. 165

• Congress would use the Congressional Review Act, a law that lets it review and cancel federal agency rules.
• The resolution targets one CFPB rule. That rule withdrew an earlier rule on when companies may provide, use, or get consumer reports such as credit reports.
• The earlier fair credit reporting rule was published at 87 Fed. Reg. 41243 on July 12, 2022.
• The CFPB withdrawal rule that Congress would cancel was published at 90 Fed. Reg. 20084 on May 12, 2025.
• The resolution says the CFPB withdrawal rule has no legal effect. Under the Congressional Review Act, that means the rule is treated as if it never took effect.

How Modern Action helps you take action on H.J.Res. 165

You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.

Questions people ask about H.J.Res. 165

What is H.J.Res. 165?

This resolution would undo a CFPB rule that withdrew an earlier credit reporting rule. It would not write new credit report rules itself. The practical result depends on what rules apply after the withdrawal is canceled.

How do I support or oppose H.J.Res. 165?

Choose support, oppose, or ask for changes on Modern Action. The action flow drafts the message for you and keeps the wording tied to this bill.

Who should I contact about H.J.Res. 165?

Modern Action uses your location to route the action to the congressional offices relevant to the bill and your representation.

Can Modern Action explain H.J.Res. 165 before I act?

Yes. Modern Action gives you a plain-English summary, current status, and action context before you send anything.