This resolution would cancel a CFPB rule that withdrew older guidance on lending discrimination. It would not create a new program or rule. It would only block that one 2025 agency action.
Modern Action explains what the legislation does, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.
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 2012-04: Lending discrimination (April 18, 2012)". is a Senate bill in committee. The latest recorded action: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Latest action on S.J.Res. 157: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Who this affects: This bill mainly affects the CFPB, lenders, and borrowers. The CFPB would lose the effect of its 2025 withdrawal rule. Lenders may have to keep following older fair lending expectations. Borrowers and communities could be affected by how the agency handles lending discrimination oversight.
Why this matters: This matters because it could change how federal fair lending rules are handled in real life. The CFPB tried to withdraw older guidance on lending discrimination. Congress could block that move. The result could affect lenders' expectations, borrowers' protections, and how much control agencies have when they change their own rules.
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Officially: 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 2012-04: Lending discrimination (April 18, 2012)".
This resolution would cancel a CFPB rule that withdrew older guidance on lending discrimination. It would not create a new program or rule. It would only block that one 2025 agency action.
Use this page to support, oppose, or ask Congress to amend SJRES157. Modern Action explains what the bill does, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in Banking
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
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Where this bill is in the process
Introduced
Introduced in Senate
Senate Committee
Under Senate committee consideration
Latest: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (3/26/2026)
Senate Floor Vote
Voted on by Senate
Passed Senate
Approved by Senate
House Review
Sent to House for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
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This page gives you an opportunity to support, oppose, or ask for changes to 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 2012-04: Lending discrimination (April 18, 2012)"., then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it does, where it is in the process (committee), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around SJRES157, your stance, and the reasons you choose, then lets you edit and send when ready.
