This resolution would block a CFPB rule that canceled an earlier credit reporting rule. It uses a special law that lets Congress reject agency rules. The exact effect depends on the earlier CFPB rules, which this resolution does not restate.
Modern Action explains what the legislation does, 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 "Fair Credit Reporting; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports". is a Senate bill waiting for floor action. The latest recorded action: Placed on Senate Legislative Calendar under General Orders. Calendar No. 394.
Latest action on S.J.Res. 145: Placed on Senate Legislative Calendar under General Orders. Calendar No. 394.
Who this affects: This bill mainly affects groups that make, use, or regulate credit reports. It could also affect people whose reports are checked for loans, jobs, housing, or other decisions. The exact effect depends on the earlier CFPB rule and the 2025 withdrawal rule.
Why this matters: Credit reports can affect whether people get loans, jobs, apartments, or other opportunities. This resolution could change which federal rules control when those reports may be shared or used. The practical impact is not fully clear from the resolution alone because it does not include the text of the earlier rule or the withdrawal rule.
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Officially: 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; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports".
This resolution would block a CFPB rule that canceled an earlier credit reporting rule. It uses a special law that lets Congress reject agency rules. The exact effect depends on the earlier CFPB rules, which this resolution does not restate.
Use this page to support, oppose, or ask Congress to amend SJRES145. Modern Action explains what the bill does, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
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Where this bill is in the process
Introduced
Introduced in Senate
Senate Committee
Under Senate committee consideration
Senate Floor Vote
Voted on by Senate
Latest: Placed on Senate Legislative Calendar under General Orders. Calendar No. 394. (4/27/2026)
Passed Senate
Approved by Senate
House Review
Sent to House for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
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This page gives you an opportunity to support, oppose, or ask for changes to 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; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports"., then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it does, where it is in the process (floor pending), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around SJRES145, your stance, and the reasons you choose, then lets you edit and send when ready.
