This resolution would wipe out a CFPB rule that withdrew an earlier rule on background checks and credit reports. It could affect screening companies, employers, landlords, lenders, and people whose records are checked.
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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; Background Screening". is a Senate bill stalled. The latest recorded action: Motion to proceed to consideration of measure rejected in Senate by Voice Vote. (consideration: CR S2266).
Latest action on S.J.Res. 133: Motion to proceed to consideration of measure rejected in Senate by Voice Vote. (consideration: CR S2266)
Who this affects: This bill mainly affects people whose credit reports or background checks are used for screening, along with the companies and institutions that use those reports. It could matter for job applicants, tenants, borrowers, employers, landlords, lenders, screening companies, and the CFPB. The exact day-to-day impact depends on the earlier background screening rule and how agencies or courts treat it after the withdrawal is canceled.
Why this matters: Background checks and credit reports can affect whether people get jobs, housing, loans, or other chances. This resolution could change which federal rules apply to those reports. It also shows Congress using its power to block an agency rule after the agency changes course. The practical effect is still uncertain because the resolution does not explain what happens to the earlier rule after the withdrawal is canceled.
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