Contact Congress about S.J.Res. 140: 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; Name-Only Matching Procedures".

This resolution would stop the CFPB from withdrawing an earlier rule on name-only matching in credit reports. If it becomes law, the withdrawal rule would no longer count, and the CFPB could not easily issue a similar one later without Congress.

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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; Name-Only Matching Procedures". is a Senate bill waiting for floor action. The latest recorded action: Placed on Senate Legislative Calendar under General Orders. Calendar No. 392.

Latest action on S.J.Res. 140: Placed on Senate Legislative Calendar under General Orders. Calendar No. 392.

Who this affects: This bill mainly affects people whose credit reports could be matched by name, credit reporting agencies that maintain those files, and the CFPB as the agency that regulates the rule. It could also matter to lenders and other businesses that rely on credit reports, because matching rules affect the accuracy of the information they receive.

Why this matters: Credit-report matching affects whether people are connected to the right financial history, and this resolution could shape the rules behind that process. Name-only matching can matter because many people share names, and a mismatch can affect credit decisions. The resolution also matters because it uses the Congressional Review Act, which can limit the CFPB’s ability to use a similar withdrawal approach later.

Key provisions in S.J.Res. 140

• Uses chapter 8 of title 5 of the United States Code, known as the Congressional Review Act, to overturn one specific CFPB rule.
• Targets the CFPB rule that withdrew the earlier rule called “Fair Credit Reporting; Name-Only Matching Procedures,” originally published at 86 Fed. Reg. 62468.
• Identifies the rule being rejected as the one published at 90 Fed. Reg. 20084 on May 12, 2025.
• Says the CFPB withdrawal rule would have no legal force or effect if the resolution becomes law.
• If enacted, the resolution would normally stop the CFPB from issuing the same or a substantially similar withdrawal rule later without new authority from Congress.

How Modern Action helps you take action on S.J.Res. 140

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. 140

What is S.J.Res. 140?

This resolution would stop the CFPB from withdrawing an earlier rule on name-only matching in credit reports. If it becomes law, the withdrawal rule would no longer count, and the CFPB could not easily issue a similar one later without Congress.

How do I support or oppose S.J.Res. 140?

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. 140?

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. 140 before I act?

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