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This section captures a floor statement or debate entry. It mentions legislation such as 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 "Fair Credit Reporting; File Disclosure"., members such as Andy Kim.
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May 13, 2026
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Download official Senate Record PDFReturn to issue contextPROVIDING FOR CONGRESSIONAL DISAPPROVAL UNDER CHAPTER 8 OF TITLE 5,
FINANCIAL PROTECTION RELATING TO THE WITHDRAWAL OF THE RULE RELATING TO
“FAIR CREDIT REPORTING; FILE DISCLOSURE”—Motion to Proceed
The PRESIDING OFFICER. The clerk will report.
The senior assistant legislative clerk read as follows:
Motion to proceed to Calendar No. 383, S.J. Res. 127, 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 “Fair
Credit Reporting; File Disclosure”.
Mr. KIM. Mr. President, I rise today to defend something rather simple: Americans' right to access their own credit and background reports.
Act—to protect this right, but we are seeing companies and others finding creative ways to skirt this responsibility, and working Americans are the ones left paying the price. That is why we must pass this joint resolution of disapproval I filed today and reassert this law's authority.
obtain a copy of the information in their file, entitling them to one free credit report per year from annualcreditreport.com or from “specialty” reporting companies like tenant screeners or background check companies. When these companies choose to cheat the system, they are able to make a profit, while American consumers are left in the dark about their own credit.
Bureau, our Nation's consumer watchdog, stepped in to stand up for consumers and hold credit reporting companies, tenant screeners, and others accountable to the law.
window. And while the law is still clear, scrapping CFPB's work was a glaring signal to credit bureaus and background screeners about what they can get away with.
complaints with the CFPB about credit reports or other consumer reports—hundreds of them about not being able to get to their credit report or score.
Everyone knows these moments when a credit score matters: applying to rent an apartment, at the car dealership, opening a new credit card. Credit is foundational to people's financial mobility and staying out of financial hardship. Without the transparency consumers deserve, people can go unaware of mistakes in their reports and have no way to get them fixed. Without the accuracy consumers deserve, people's financial stability and mobility are put at risk.
The PRESIDING OFFICER. The Senator's time has expired.
Mr. KIM. I yield back.
Vote on Motion to Proceed
The PRESIDING OFFICER. The question is on agreeing to the motion.
In the opinion of the Chair, the noes have it.
The motion was rejected.
The PRESIDING OFFICER. The Senator from Rhode Island.