Contact Congress about H.J.Res. 170: 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.

Modern Action explains legislation in plain English, 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.

Key provisions in H.J.Res. 170

• Congress would use the Congressional Review Act to cancel a federal agency rule. That law appears in chapter 8 of title 5 of the U.S. Code.
• The bill targets one CFPB rule published at 90 Federal Register 20084 on May 12, 2025.
• The targeted rule withdrew an earlier CFPB rule on credit reporting and state laws. The earlier rule appeared at 87 Federal Register 41042 on July 11, 2022.
• The targeted CFPB rule would have no legal force or effect. That is the usual wording Congress uses when it cancels a rule under the Congressional Review Act.
• The bill does not rewrite the Fair Credit Reporting Act or any state law. It only deals with the CFPB's rulemaking action.

How Modern Action helps you take action on H.J.Res. 170

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. 170

What is H.J.Res. 170?

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.

How do I support or oppose H.J.Res. 170?

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. 170?

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. 170 before I act?

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