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 "Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-In Practices".

This joint resolution asks Congress to reject a specific rule from the Bureau of Consumer Financial Protection that would remove an earlier regulation on improper overdraft opt-in practices. If passed, the resolution would cancel the Bureau's attempt to withdraw the 2024 rule, effectively keeping the original restrictions on how banks handle overdraft fees in place. The measure directly affects the Bureau's ability to modify its consumer protection guidelines and ensures the existing standards remain active.