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119-sjres-151119th CongressWALLET

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 "Bulletin 2023-01: Unfair Billing and Collection Practices After Bankruptcy Discharges of Certain Student Loan Debts".

Sponsored By: Senator Hirono, Mazie K. [D-HI]

Introduced

Summary

Preserve CFPB guidance protecting student‑loan borrowers after bankruptcy discharges. This bill would disapprove the Bureau of Consumer Financial Protection's rule that withdraws Bulletin 2023-01 and thereby keep the agency's 2023 guidance on unfair billing and collection practices after certain student loan bankruptcy discharges in place.

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

Keep CFPB student loan guidance

If enacted, this joint resolution would disapprove the Bureau of Consumer Financial Protection rule published at 90 Fed. Reg. 20084 (May 12, 2025). That CFPB rule withdrew Bulletin 2023-01 (88 Fed. Reg. 17366; March 23, 2023). The resolution would declare the withdrawal rule shall have no force or effect. As a result, Bulletin 2023-01 would remain CFPB guidance on unfair billing and collection after bankruptcy discharges of certain student loan debts. If you had a student loan discharged in bankruptcy, this would help limit unfair billing or collection by servicers. The resolution would not provide new money or change taxes.

Sponsors & CoSponsors

Sponsor

Hirono, Mazie K. [D-HI]

HI • D

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

No roll call votes available for this bill.

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