Congress blocks CFPB's rollback of credit-data privacy rules
H.J.Res. 165 — 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". · Filed by Brittany Pettersen (D-CO) · Introduced Apr 30, 2026 · Referred to committee
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What it does
This resolution blocks the CFPB's 2025 decision to withdraw a 2022 consumer-protection rule on fair credit reporting. By disapproving the withdrawal, Congress restores the original rule, which restricts how consumer reports can be used and shared. The effect: credit bureaus and data brokers face renewed limits on selling or furnishing consumer reports for purposes beyond lending and employment.
Why we flagged it
The bill uses a Congressional Review Act disapproval to undo a regulatory withdrawal, restoring consumer-privacy protections on credit-reporting practices. It is a procedural instrument with a substantive consumer-protection outcome.
What the text implies
- Restoring the 2022 rule may trigger litigation from credit bureaus and data brokers challenging the rule's scope or the CFPB's authority to issue it—the underlying rule itself remains subject to legal challenge.
- The resolution does not address whether the CFPB can issue a new withdrawal rule in the future; it only blocks this specific 2025 withdrawal, leaving the regulatory battle open.
The full analysis lists 3 implications of this text.
Who it affects
Restoring the 2022 fair-credit-reporting rule strengthens consumer privacy and limits the commercial use of credit data. Ordinary people regain protections against unauthorized furnishing and use of their consumer reports by credit bureaus and data brokers.