It stays where it is unless leadership tries again.
Finance and Financial SectorAdministrative law and regulatory proceduresCongressional oversightConsumer Financial Protection BureauConsumer credit
Why This Matters
This resolution, if passed by Congress and signed by the President, would undo the Consumer Financial Protection Bureau's 2025 decision to scrap its 2022 credit report guidance, putting that guidance back in effect.
If you share a name with someone who has unpaid debts, evictions, or a criminal record, credit bureaus would again be told they cannot put that person's records in your report based on a name match alone.
Who this affects
People with credit reports · Renters and loan applicants · Credit reporting agencies · Landlords, lenders, and employers
What does this resolution do?
1It cancels the Consumer Financial Protection Bureau's May 2025 withdrawal of its July 2022 guidance on who may receive credit reports and what they contain.
2The restored guidance says credit bureaus need reason to believe every record in a report belongs to the specific person requested, not just someone with a matching name.
3Credit bureaus could not avoid responsibility for mismatched or improperly shared reports simply by adding a disclaimer.
4It reminds companies that pulling or using someone's credit report without a legally allowed reason, such as a loan or rental application, is prohibited.
5Under the Congressional Review Act, the Bureau could not reissue a substantially similar withdrawal unless Congress later authorizes it.
