What is the current status of SJRES 155?

SJRES 155 is currently: In Senate.

Who sponsored SJRES 155?

SJRES 155 was sponsored by Sheldon Whitehouse (D), Sen.

Cancels Federal View That Credit Law Overrides State Rules

IntroducedMarch 26, 2026

In Senate5 months ago

Intro

Senate

House

Pres

The House voted against taking this up.

It stays where it is unless leadership tries again.

Finance and Financial SectorAdministrative law and regulatory proceduresCongressional oversightConsumer Financial Protection BureauCredit and credit markets

Why This Matters

If passed and signed, this resolution would cancel the Consumer Financial Protection Bureau's official view that federal law blocks most state laws on credit reporting. That would leave more room for states to set and enforce their own credit report protections.

If your state has passed its own credit report protections, such as keeping medical debt off your report, those rules would face one less federal challenge.

Who this affects

People with credit reports · People with medical debt · Credit reporting companies · State attorneys general

What does this resolution do?

1It cancels an October 2025 Consumer Financial Protection Bureau rule saying the federal Fair Credit Reporting Act overrides most state credit reporting laws.
2States that have passed their own rules, such as limits on medical debt appearing on credit reports, would no longer face this federal interpretation.
3The Bureau could not issue a substantially similar rule later unless Congress specifically authorizes it, and the withdrawn 2022 rule friendlier to states would not return.
4Courts would still decide case by case how far the federal credit reporting law overrides state laws.

Read full document

Last changed today · checked hourly

Cancels Federal View That Credit Law Overrides State Rules

IntroducedMarch 26, 2026

In Senate5 months ago

Intro

Senate

House

Pres

The House voted against taking this up.

It stays where it is unless leadership tries again.

Finance and Financial SectorAdministrative law and regulatory proceduresCongressional oversightConsumer Financial Protection BureauCredit and credit markets

Why This Matters

If your state has passed its own credit report protections, such as keeping medical debt off your report, those rules would face one less federal challenge.

Who this affects

People with credit reports · People with medical debt · Credit reporting companies · State attorneys general

What does this resolution do?

1It cancels an October 2025 Consumer Financial Protection Bureau rule saying the federal Fair Credit Reporting Act overrides most state credit reporting laws.
2States that have passed their own rules, such as limits on medical debt appearing on credit reports, would no longer face this federal interpretation.
3The Bureau could not issue a substantially similar rule later unless Congress specifically authorizes it, and the withdrawn 2022 rule friendlier to states would not return.
4Courts would still decide case by case how far the federal credit reporting law overrides state laws.

Read full document

Last changed today · checked hourly