Contact Congress about S.J.Res. 145: 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.

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 "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.

Key provisions in S.J.Res. 145

• Congress would use the Congressional Review Act to review one CFPB rule. That law lets Congress reject recent agency rules.
• The resolution targets the CFPB rule that canceled an earlier fair credit reporting rule. That earlier rule dealt with when consumer reports may be shared, used, or requested.
• The rule Congress would reject is the CFPB withdrawal published in the Federal Register on May 12, 2025, at 90 Fed. Reg. 20084.
• If the resolution became law, the CFPB withdrawal rule would have no legal effect.
• Senators used a petition process to move the resolution out of the Senate Banking, Housing, and Urban Affairs Committee. It was then placed on the Senate calendar.

How Modern Action helps you take action on S.J.Res. 145

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. 145

What is S.J.Res. 145?

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.

How do I support or oppose S.J.Res. 145?

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. 145?

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. 145 before I act?

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