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".

Mr. President, I move to proceed to Calendar No. 394, S.J. Res. 145.

Mr. President, I rise today to offer a joint resolution of disapproval that would restore critical privacy protections for consumers that the Trump administration did away with.

The Fair Credit Reporting Act is one of our foremost laws aimed at protecting the privacy of the American people. The law requires that a consumer report, like a credit report or a background check, can only be provided if the report's requestor, like a creditor, landlord, or employer, certifies that it has a permissible purpose to obtain a report on a specific person.

Despite these requirements, far too many Americans have been subjected to serious, outrageous breaches of privacy when companies sharing the report for one person include information pertaining to someone else.

In 2022, the Consumer Financial Protection Bureau--our Nation's consumer watchdog--took action to protect Americans' privacy and crack down by issuing new guidance on the rules that surround crucial credit report privacy.

The advisory opinion did something that ought to be common sense: It made it clear that your sensitive financial information couldn't be shared with landlords, loan sharks, or used car salesmen just because you had a similar name to somebody else.

Once your credit info is in the wrong hands, scammers, criminals, and shady data brokers can easily use your personal information, and then they go rip you off.

This was a huge win for consumer privacy, and Donald Trump gutted it.

I will close with this: My resolution is simple. It would restore this advisory opinion that Trump withdrew as part of this administration's ongoing war against consumers and privacy.

I urge all of my colleagues to join me in rolling back Trump's war on consumers by supporting this joint resolution that will once again restore important privacy measures for the American people.

I yield the floor.

Vote on Motion to Proceed