Contact Congress about S.J.Res. 129: 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".

Congress would cancel a CFPB rollback tied to credit reports and state consumer laws. That could affect which rules credit bureaus and lenders must follow. It could also limit the CFPB from making a similar rollback later.

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.

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". is a Senate bill stalled. The latest recorded action: Motion to proceed to consideration of measure rejected in Senate by Voice Vote. (consideration: CR S2271).

Latest action on S.J.Res. 129: Motion to proceed to consideration of measure rejected in Senate by Voice Vote. (consideration: CR S2271)

Who this affects: This bill mainly affects credit bureaus, lenders, state governments, the CFPB, and people whose credit reports are covered by these rules. It could change which state and federal rules apply when companies collect, report, or use credit information. The effect would depend on the older 2022 rule and how regulators and courts read it.

Why this matters: This matters because credit report rules affect loans, housing, jobs, and other parts of daily life. The resolution could change how much room states have to set their own protections. It could also affect whether credit bureaus and lenders follow one national approach or different rules in different states. The resolution itself does not explain every practical effect, because those details depend on the older 2022 rule and later legal decisions.

Key provisions in S.J.Res. 129

• Congress would use the Congressional Review Act to reject a federal agency rule. That law is found in chapter 8 of title 5 of the U.S. Code.
• The resolution targets one CFPB rule. That rule withdrew an earlier rule about when the Fair Credit Reporting Act overrides state laws.
• If the resolution becomes law, the CFPB withdrawal rule would have no legal effect. The text says it would have “no force or effect.”
• The resolution points to two Federal Register notices. The older rule appeared on July 11, 2022, at 87 Fed. Reg. 41042, and the withdrawal appeared on May 12, 2025, at 90 Fed. Reg. 20084.
• A rejected rule can have longer-term effects. Under the Congressional Review Act, the agency generally cannot issue a very similar rule later unless Congress gives new approval.

How Modern Action helps you take action on S.J.Res. 129

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 S.J.Res. 129

What is S.J.Res. 129?

Congress would cancel a CFPB rollback tied to credit reports and state consumer laws. That could affect which rules credit bureaus and lenders must follow. It could also limit the CFPB from making a similar rollback later.

How do I support or oppose S.J.Res. 129?

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 S.J.Res. 129?

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

Can Modern Action explain S.J.Res. 129 before I act?

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