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 2022-01: Medical Debt Collection and Consumer Reporting Requirements in Connection with the No Surprises Act".

S.J.Res. 148 is a binding joint resolution that would use the Congressional Review Act to disapprove a regulatory action by the Consumer Financial Protection Bureau (CFPB). Specifically, it targets the CFPB's withdrawal of Bulletin 2022-01, which provided guidance to debt collectors and credit reporting agencies about their obligations when collecting or reporting medical debts that exceed limits set by the No Surprises Act. The No Surprises Act, which took effect in 2022, protects consumers from unexpected medical bills in certain circumstances, such as emergency care from out-of-network providers. If enacted, this resolution would reinstate the CFPB's guidance and prevent the agency from withdrawing similar guidance in the future without new congressional action. The resolution is currently in committee and has not yet been voted on by the full Senate. As a binding joint resolution, it would require passage in both chambers and presidential signature to become law.