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 2012-04: Lending discrimination (April 18, 2012)".

This joint resolution aims to use the Congressional Review Act to formally disapprove of a specific rule issued by the Bureau of Consumer Financial Protection (CFPB). The rule in question involves the withdrawal of a 2012 bulletin that provided guidance on lending discrimination. By filing this resolution, Congress is attempting to block the CFPB's recent regulatory action and prevent the agency from issuing a similar rule in the future without specific legislative authorization.

If enacted, the resolution would effectively reinstate the previous regulatory status regarding how the government monitors and enforces lending discrimination policies. For everyday citizens, this could impact how financial institutions are held accountable for fair lending practices. Because this is a joint resolution, it would require approval from both the Senate and the House of Representatives, as well as the President's signature, to carry the force of law.