Contact Congress about S.J.Res. 155: 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 block a federal rule about credit reports and state laws. It would leave the rule with no legal effect, but it does not replace it with a new standard.

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 stalled. The latest recorded action: Motion to proceed to consideration of measure rejected in Senate by Voice Vote. (consideration: CR S2268-2269).

Latest action on S.J.Res. 155: Motion to proceed to consideration of measure rejected in Senate by Voice Vote. (consideration: CR S2268-2269)

Who this affects: This bill mainly affects people and businesses tied to credit reports. Consumers could see different rights depending on what state protections remain in place. Credit-reporting companies and lenders would need to follow whatever rules apply without the canceled CFPB rule. States could keep more room to shape their own credit-reporting laws, depending on existing federal law.

Why this matters: This matters because credit-reporting rules affect people’s access to loans, housing, jobs, and other parts of daily life. The bill would decide whether one CFPB rule on federal and state power survives. Without that rule, states, companies, and courts may have to rely on other laws to decide which credit-reporting rules control. The exact effect is unclear from this resolution alone because it does not describe the full CFPB rule.

Key provisions in S.J.Res. 155

• Congress would use the Congressional Review Act, a law that lets it review and reject federal agency rules.
• The resolution targets one Consumer Financial Protection Bureau rule. The rule is titled "Fair Credit Reporting Act; Preemption of State Laws" and was published at 90 Fed. Reg. 48710 on October 28, 2025.
• If the resolution becomes law, the CFPB rule would have no legal effect.
• The resolution only cancels the named rule. It does not write a new rule or create a replacement standard.
• The Senate Banking, Housing, and Urban Affairs Committee has released the resolution under a fast-track law, 5 U.S.C. 802(c). It has been placed on the Senate calendar.

How Modern Action helps you take action on S.J.Res. 155

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. 155

What is S.J.Res. 155?

This resolution would block a federal rule about credit reports and state laws. It would leave the rule with no legal effect, but it does not replace it with a new standard.

How do I support or oppose S.J.Res. 155?

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. 155?

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. 155 before I act?

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