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

This joint resolution seeks to disapprove a rule from the Bureau of Consumer Financial Protection that would have removed a regulation about digital user accounts for buy now, pay later loans. The bill uses a congressional veto mechanism to prevent the rule from taking effect, meaning the previous regulation requiring digital account protections for these loans would remain in place. It directly affects the Bureau of Consumer Financial Protection and financial institutions offering buy now, pay later services. The resolution does not create new rules but instead blocks a specific regulatory change that was submitted for approval.