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 "Truth in Lending (Regulation Z); Use of Digital User Accounts to Access Buy Now, Pay Later Loans".

HJRES 190 is a congressional resolution seeking to block a Consumer Financial Protection Bureau (CFPB) rule that would have required lenders to provide clearer disclosures when offering "Buy Now, Pay Later" loans accessed through digital accounts. The resolution, introduced July 18, 2024, directs Congress to disapprove the CFPB rule published in the Federal Register on May 31, 2024 (89 Fed. Reg. 47068), which aimed to update Truth in Lending (Regulation Z) for digital account access to these loans. If enacted, this resolution would prevent the rule from taking effect, directly affecting lenders offering such digital payment products. The resolution focuses on procedural disapproval, not on creating new policy.