Contact Congress about S.J.Res. 144: 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 "Fair Credit Reporting Act; Preemption of State Laws".

This resolution would stop a CFPB rule about credit reporting and state laws from taking effect. It would not create new credit reporting rules. It would leave the next steps to existing law, courts, agencies, or Congress.

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 "Fair Credit Reporting Act; Preemption of State Laws". is a Senate bill in committee. The latest recorded action: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Latest action on S.J.Res. 144: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Who this affects: This bill mainly affects people and organizations involved in credit reports. Consumers could see different protections depending on how federal and state laws apply. Credit bureaus and lenders could face different state rules if the CFPB rule is canceled. State officials could have more room, or at least less new federal guidance, when applying their own credit reporting laws.

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 power states have to set their own protections. It could also affect how clearly lenders and credit bureaus know which rules they must follow. The exact impact is uncertain because the resolution cancels a rule but does not describe every change that rule would have made.

Key provisions in S.J.Res. 144

• Congress would use the Congressional Review Act to review and reject a federal agency rule. That law gives Congress a way to cancel rules after agencies issue them.
• The resolution targets one CFPB rule called “Fair Credit Reporting Act; Preemption of State Laws.” It was published in the Federal Register at 90 Fed. Reg. 48710 on May 12, 2025.
• The rule would have no legal effect if the resolution becomes law. That is how the Congressional Review Act cancels a regulation.
• The resolution does not set up new credit reporting rules. It only cancels this one CFPB rule about when federal law overrides state law.
• The resolution was introduced in the Senate. It was sent to the Committee on Banking, Housing, and Urban Affairs.

How Modern Action helps you take action on S.J.Res. 144

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. 144

What is S.J.Res. 144?

This resolution would stop a CFPB rule about credit reporting and state laws from taking effect. It would not create new credit reporting rules. It would leave the next steps to existing law, courts, agencies, or Congress.

How do I support or oppose S.J.Res. 144?

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. 144?

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. 144 before I act?

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