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 "Bulletin 2022-06: Unfair Returned Deposited Item Fee Assessment Practices".

This bill proposes to disapprove a Bureau of Consumer Financial Protection rule that would have withdrawn a previous regulation about how banks charge fees for returned deposited items. If enacted, the resolution would prevent the Bureau from removing the existing guidelines that address unfair fee assessment practices. The measure directly affects the Bureau of Consumer Financial Protection and financial institutions that currently operate under the 2022 bulletin. It uses the Congressional Review Act process to block the new rule from taking effect, ensuring the earlier fee assessment standards remain in place.