# 119-sjres-144: 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".

119-sjres-144, 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 119th Congress bill sponsored by Sen. Whitehouse, Sheldon [D-RI] (D-RI); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-sjres-144
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-sjres-144
- Congress: 119
- Title: 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".
- Status: introduced
- Introduced: 2026-03-25
- Sponsor: Sen. Whitehouse, Sheldon [D-RI] (D-RI)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

This resolution would nullify the **CFPB rule on preemption under the Fair Credit Reporting Act**. That action would make the CFPB rule have no force or effect.

## Provisions PRIA read

- Let states enforce credit laws: mixed, high. If enacted, this joint resolution would disapprove a CFPB rule. The rule is titled "Fair Credit Reporting Act; Preemption of State Laws" (90 Fed. Reg. 48710 (May 12, 2025)). The resolution would make that rule have no force or effect. States would then be able to enforce or adopt their own consumer…

## Related bills

- 119-s-4949: Water Resources Development Act of 2026
- 119-s-5071: Children's Safe Welcome Act of 2026
- 119-s-3990: PrEP Access and Coverage Act of 2026
- 119-s-2823: FAMILY Act
- 119-s-2763: Keep Billionaires Out of Social Security Act
- 119-s-5042: Social Security 2100 Act

## Sources
- [119-sjres-144 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-joint-resolution/144)

## Related
- [119-s-4949: Water Resources Development Act of 2026](https://policyrisk.com/legislation/119-s-4949)
- [119-s-5071: Children's Safe Welcome Act of 2026](https://policyrisk.com/legislation/119-s-5071)
- [119-s-3990: PrEP Access and Coverage Act of 2026](https://policyrisk.com/legislation/119-s-3990)
- [119-s-2823: FAMILY Act](https://policyrisk.com/legislation/119-s-2823)
- [119-s-2763: Keep Billionaires Out of Social Security Act](https://policyrisk.com/legislation/119-s-2763)
- [119-s-5042: Social Security 2100 Act](https://policyrisk.com/legislation/119-s-5042)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-sjres-144 (as of 2026-04-21).