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 "Truth in Lending (Regulation Z); Use of Digital User Accounts to Access Buy Now, Pay Later Loans".

S.J.Res. 134 is a binding joint resolution that would use the Congressional Review Act to disapprove the Consumer Financial Protection Bureau's decision to withdraw its buy-now-pay-later (BNPL) rule. The CFPB had issued an interpretive rule in 2024 that would have treated BNPL digital accounts as credit cards, requiring lenders to provide consumer protections like billing dispute rights and refund procedures similar to traditional credit cards. However, the CFPB announced in 2025 that it would revoke this rule, determining it was procedurally defective and applied credit card regulations that did not fit BNPL products, which are typically short-term, interest-free installment loans. If enacted, this resolution would prevent the CFPB from withdrawing the rule and would reinstate the consumer protections for BNPL borrowers. The resolution is currently in committee and has not yet been voted on by the full Senate.