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 2023-01: Unfair Billing and Collection Practices After Bankruptcy Discharges of Certain Student Loan Debts".

This joint resolution aims to use the Congressional Review Act to overturn a specific rule issued by the Bureau of Consumer Financial Protection (CFPB). The rule in question involves the withdrawal of previous guidance regarding unfair billing and collection practices for certain student loan debts following a bankruptcy discharge. By disapproving of this rule, Congress would effectively prevent the CFPB from implementing or enforcing these specific changes to debt collection oversight.

If enacted, the resolution would impact how financial institutions and debt collectors handle student loans after a borrower has completed the bankruptcy process. It specifically targets the regulatory framework that determines which collection practices are considered unfair or illegal in the context of discharged student debt. Because this is a joint resolution, it would have the force of law if passed by both chambers of Congress and signed by the President.