# 119-hjres-170: 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 "The Fair Credit Reporting Act's Limited Preemption of State Laws".

119-hjres-170, 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 "The Fair Credit Reporting Act's Limited Preemption of State Laws"., is a 119th Congress bill sponsored by Rep. Waters, Maxine [D-CA-43] (D-CA); status introduced; PRIA reads it as touching household money (as of 2026-09-21).

- Canonical: https://policyrisk.com/legislation/119-hjres-170
- As of: 2026-09-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hjres-170
- Congress: 119
- Title: 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 "The Fair Credit Reporting Act's Limited Preemption of State Laws".
- Status: introduced
- Introduced: 2026-04-30
- Sponsor: Rep. Waters, Maxine [D-CA-43] (D-CA)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-09-21

## Summary

**This bill would nullify the Consumer Financial Protection Bureau's rule that withdrew the 2022 Fair Credit Reporting Act limited‑preemption rule**, declaring that withdrawal to have no force or effect.

## Provisions PRIA read

- Keep national preemption for credit reports: mixed, high. If enacted, this resolution would disapprove the CFPB rule withdrawing the 2022 preemption rule (87 Fed. Reg. 41042). The withdrawal was published at 90 Fed. Reg. 20084 (May 12, 2025). The resolution would make that withdrawal have no force or effect, so the CFPB's July 11, 2022 preemption rule wou…

## Related bills

- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-6771: Housing Crisis Response Act of 2025
- 119-hr-7977: Energy Bills Relief Act
- 119-hres-1299: Providing for the concurrence by the House in the Senate amendment to H.R. 6644, with amendment.
- 119-hr-7481: Department of Homeland Security Appropriations Act, 2026

## Sources
- [119-hjres-170 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-joint-resolution/170)

## Related
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-6771: Housing Crisis Response Act of 2025](https://policyrisk.com/legislation/119-hr-6771)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hres-1299: Providing for the concurrence by the House in the Senate amendment to H.R. 6644…](https://policyrisk.com/legislation/119-hres-1299)
- [119-hr-7481: Department of Homeland Security Appropriations Act, 2026](https://policyrisk.com/legislation/119-hr-7481)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hjres-170 (as of 2026-09-21).