[Congressional Record Volume 172, Number 81 (Wednesday, May 13, 2026)]
[Senate]
[Pages S2267-S2268]
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; NAME-ONLY MATCHING PROCEDURES''--Motion to 
                                Proceed

  Mr. WARNOCK. I move to proceed to Calendar No. 392, S.J. Res. 140.
  The PRESIDING OFFICER. The clerk will report.
  The senior assistant legislative clerk read as follows:

       Motion to proceed to Calendar No. 392, S.J. Res. 140, 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 ``Fair 
     Credit Reporting; Name-Only Matching Procedures''.

  Mr. WARNOCK. Mr. President, I rise today in support of my resolution 
to restore CFPB guidance that prevented mistaken identity on credit 
reports, which can destroy someone's credit through no fault of their 
own.
  Credit and background reports are incredibly important to the lives 
of Americans. The difference between good credit and bad credit can 
decide whether someone gets a house, an apartment, or a job. It 
determines how much money they will spend in order to afford a house.
  These reports may include criminal records or eviction records, so 
they need to be accurate.
  If they are inaccurate because of lazy name-matching practices, they 
can result in you being denied a job or apartment based on the wrong 
person's criminal or eviction record--a case of mistaken identity. And 
by the time you figure out what went wrong and jump through all the 
hoops to fix the problem, it is often too late for that job or 
apartment.
  The CFPB, under the previous administration, tried to fix this 
problem by saying companies need more than just someone's name to 
identify someone, but the Trump administration has torn up this 
guidance and made the lives of ordinary folks harder--harder to get a 
job, harder to find an apartment. I don't get it.
  I encourage my colleagues to vote yes on my resolution to restore 
this simple guidance to stop credit report mistaken identity by 
companies and debt collectors.
  I yield the floor.


                       Vote on Motion to Proceed

  The PRESIDING OFFICER. The question is on agreeing to the motion to 
proceed.
  In the opinion of the Chair, the noes have it. The motion is 
rejected.
  The motion was rejected.
  The PRESIDING OFFICER. The Senator from Connecticut.

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