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 "Debt Collection Practices (Regulation F); Pay-to-Pay Fees".

S.J.Res. 125 is a Congressional Review Act resolution that would disapprove of the Consumer Financial Protection Bureau's decision to withdraw its advisory opinion on pay-to-pay fees in debt collection. The CFPB's original rule, issued in 2022, prohibited debt collectors from charging consumers convenience fees (also known as pay-to-pay fees) for making payments by phone or online unless those fees were expressly authorized by the original debt agreement or by law. If this resolution passes and is signed into law, it would prevent the CFPB from withdrawing that consumer protection rule. The resolution is currently under committee consideration in the Senate. If enacted, this measure would preserve protections that limit additional charges consumers face when paying off debts, potentially saving consumers money on debt payments made through alternative payment channels.