This bill would block a CFPB rule about how federal credit-reporting law affects state rules. It would make that CFPB rule have no legal effect. It does not directly rewrite the Fair Credit Reporting Act or any state law.
Modern Action explains what the legislation does, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.
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". is a House bill in committee. The latest recorded action: Referred to the House Committee on Financial Services.
Latest action on H.J.Res. 170: Referred to the House Committee on Financial Services.
Who this affects: This bill mainly affects credit bureaus, lenders, state officials, courts, the CFPB, and consumers whose credit reports are used for loans, housing, jobs, or other decisions. It matters because credit-reporting rules can shape what information gets reported and how mistakes get fixed. The bill may also affect how much room states have to make their own credit-reporting rules.
Why this matters: Credit-reporting rules affect people's access to loans, housing, jobs, and other services. This bill changes which federal rule can guide that system. It also affects the balance between federal law and state law. The bill could leave open questions because it does not say exactly what happens to the earlier 2022 CFPB rule.
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.
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Officially: 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".
This bill would block a CFPB rule about how federal credit-reporting law affects state rules. It would make that CFPB rule have no legal effect. It does not directly rewrite the Fair Credit Reporting Act or any state law.
Use this page to support, oppose, or ask Congress to amend HJRES170. Modern Action explains what the bill does, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in House Committee
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
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Where this bill is in the process
Introduced
Introduced in House
House Committee
Under House committee consideration
Latest: Referred to the House Committee on Financial Services. (4/30/2026)
House Floor Vote
Voted on by House
Passed House
Approved by House
Senate Review
Sent to Senate for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
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This page gives you an opportunity to support, oppose, or ask for changes to 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"., then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it does, where it is in the process (committee), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around HJRES170, your stance, and the reasons you choose, then lets you edit and send when ready.
