[Congressional Record Volume 172, Number 81 (Wednesday, May 13, 2026)]
[Senate]
[Pages S2266-S2267]
From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]




  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 
 ``FAIR CREDIT REPORTING; PERMISSIBLE PURPOSES FOR FURNISHING, USING, 
          AND OBTAINING CONSUMER REPORTS''--Motion to Proceed

  Mr. WYDEN. Mr. President, I move to proceed to Calendar No. 394, S.J. 
Res. 145.
  The PRESIDING OFFICER. The clerk will report.
  The senior assistant legislative clerk read as follows:

       Motion to proceed to Calendar No. 394, S.J. Res. 145, 
     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 ``Fair Credit Reporting; 
     Permissible Purposes for Furnishing, Using, and Obtaining 
     Consumer Reports''.


[[Page S2267]]


  

  Mr. WYDEN. Mr. President, I rise today to offer a joint resolution of 
disapproval that would restore critical privacy protections for 
consumers that the Trump administration did away with.
  The Fair Credit Reporting Act is one of our foremost laws aimed at 
protecting the privacy of the American people. The law requires that a 
consumer report, like a credit report or a background check, can only 
be provided if the report's requestor, like a creditor, landlord, or 
employer, certifies that it has a permissible purpose to obtain a 
report on a specific person.
  Despite these requirements, far too many Americans have been 
subjected to serious, outrageous breaches of privacy when companies 
sharing the report for one person include information pertaining to 
someone else.
  In 2022, the Consumer Financial Protection Bureau--our Nation's 
consumer watchdog--took action to protect Americans' privacy and crack 
down by issuing new guidance on the rules that surround crucial credit 
report privacy.
  The advisory opinion did something that ought to be common sense: It 
made it clear that your sensitive financial information couldn't be 
shared with landlords, loan sharks, or used car salesmen just because 
you had a similar name to somebody else.
  Once your credit info is in the wrong hands, scammers, criminals, and 
shady data brokers can easily use your personal information, and then 
they go rip you off.
  This was a huge win for consumer privacy, and Donald Trump gutted it.
  I will close with this: My resolution is simple. It would restore 
this advisory opinion that Trump withdrew as part of this 
administration's ongoing war against consumers and privacy.
  I urge all of my colleagues to join me in rolling back Trump's war on 
consumers by supporting this joint resolution that will once again 
restore important privacy measures for the American people.
  I yield the floor.


                       Vote on Motion to Proceed

  The PRESIDING OFFICER. The question is on agreeing to the motion to 
proceed.
  It appears the noes have it. The motion is rejected.
  The motion was rejected.
  The PRESIDING OFFICER. The Democratic leader.

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