S.J.Res. 164Senate119th Congress (2025-2027)In Committee

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 "Consumer Financial Protection Circular 2022-04: Insufficient Data Protection or Security for Sensitive Consumer Information".

Introduced April 13, 2026

AI-Generated Summary

Updated April 15, 2026 at 7:32 AM UTC

This joint resolution asks Congress to reject a rule the Consumer Financial Protection Bureau (CFPB) submitted that would withdraw a previous circular on insufficient data protection for sensitive consumer information. If approved, the rule would be nullified and would not take effect, keeping the original data‑protection guidance in place. The action mainly affects the CFPB’s regulatory actions and the protections afforded to consumers’ sensitive financial data.

Key Provisions

  • Congress formally disapproves the CFPB’s rule withdrawing the 2022 circular on data protection, stating the rule shall have no legal force or effect.

Legislative Activity

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SenateIntro Referral Latest Action

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

April 13, 2026

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SenateIntro Referral

Introduced in Senate

April 13, 2026

SenateIntro Referral

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

April 13, 2026

Bill Text

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Introduced in SenateIssued April 13, 2026

IIA

119th CONGRESS

2d Session

S. J. RES. 164

IN THE SENATE OF THE UNITED STATES

April 13, 2026

Ms. Rosen introduced the following joint resolution; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs

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 Consumer Financial Protection Circular 2022–04: Insufficient Data Protection or Security for Sensitive Consumer Information.

That Congress disapproves the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to Consumer Financial Protection Circular 2022–04: Insufficient Data Protection or Security for Sensitive Consumer Information (87 Fed. Reg. 54346 (August 6, 2022)) (90 Fed. Reg. 20084 (May 12, 2025)), and such rule shall have no force or effect.