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S.J.Res. 36

U.S. Senate•In Senate Committee

Summary

S.J.Res. 36, “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 "Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)"”, was introduced in the Senate on Mar 11, 2025 by Sen. Mike Rounds (R) with 5 co-sponsors. It was referred to Banking, Housing, And Urban Affairs, and last saw action on Mar 11, 2025: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Record

Text

S.J.Res. 36 has 5 co-sponsors.

sjr36/introduced-in-senate.txt
119 SJ 36 IS: 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 “Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)”.
 U.S. Senate
 2025-03-11
 text/xml
 EN
 Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.
 IIA  119th CONGRESS  1st Session  S. J. RES. 36  IN THE SENATE OF THE UNITED STATES   March 11 (legislative day, March 10), 2025   Mr. Rounds  (for himself,  Mr. Scott of South Carolina ,  Mr. Hagerty ,  Mr. Crapo , and  Ms. Lummis ) introduced the following joint resolution; which was read twice and referred to the  Committee on Banking, Housing, and Urban Affairs    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  Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V) .
That Congress disapproves the rule submitted by the Bureau of Consumer Financial Protection relating to  Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)  (90 Fed. Reg. 3276 (January 14, 2025)), and such rule shall have no force or effect.

Tracker

The tracker indicates the progress of this legislation as it moves through the legislative process.

  1. Introduced2025-03-11
  2. Passed Senate
  3. Passed House
  4. Conference
  5. To President
  6. Became Law

CRS Summary

The summaries are the Congressional Research Service’s, one per stage. Read them in full.

Introduced in Senate Mar 11, 2025

sjr36/introduced-in-senate.md

Shown Here:
Introduced in Senate (03/11/2025)

This joint resolution nullifies the final rule issued by the Consumer Financial Protection Bureau titled Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V) and published on January 14, 2025. This rule prohibits the inclusion of medical debt on credit reports and prohibits creditors from considering medical debt when making credit eligibility determinations.

Sponsors

Sen. Mike Rounds (R) sponsors S.J.Res. 36, and 5 members have co-sponsored it, 4 of them from the day it was introduced.

Committees

S.J.Res. 36 went before 1 committee: Banking, Housing, and Urban Affairs.

Banking, Housing, and Urban Affairs
Banking, Housing, and Urban Affairs
Referred To · Mar 11, 2025 · 465 Bills

Actions

S.J.Res. 36 has taken 2 actions since Mar 11, 2025.

ChamberAction
Mar 11, 2025
Senate
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.Banking, Housing, and Urban Affairs Committee
Mar 11, 2025
—
Introduced in Senate

Votes

S.J.Res. 36 has not gone to a roll call.

1 bill is related to S.J.Res. 36, as Identical bill.

Titles

S.J.Res. 36 goes by 2 titles.

  • 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 "Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)". — Official Title as Introduced
  • 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 "Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)". — Display Title

Lobbying

14 clients hired 14 firms and 208 registered lobbyists who named S.J.Res. 36 in 41 quarterly filings, 2025 to 2026. Reported under the Lobbying Disclosure Act; a filing’s income covers everything its registrant worked that quarter, so the amounts below are the filings’, not this bill’s.

Filed under Financial Institutions/Investments/Securities, Banking, Budget/Appropriations, Taxation/Internal Revenue Code, Telecommunications, Government Issues, Housing, Small Business.

Clients

Who paid to be heard, by how many filings named the bill.

ClientBusinessStateFirmsFilingsReported
CHAMBER OF COMMERCE OF THE U.S.A.—District of Columbia17—
AMERICAN FINANCIAL SERVICES ASSOCIATION—District of Columbia16—
UNITED STATES CHAMBER OF COMMERCE/CENTER FOR CAPITAL MARKETS COMPETITIVENESSbusiness trade associationDistrict of Columbia14$120K
AMERICANS FOR TAX REFORM—District of Columbia14—
EQUIFAX INC.Consumer Reporting AgencyGeorgia13$170K
AMERICAN BANKERS ASSOCIATION—District of Columbia13—
EXPERIAN NORTH AMERICA—District of Columbia13—
AARP—District of Columbia12—
AMERICANS FOR FINANCIAL REFORM—District of Columbia12—
CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONS—District of Columbia12—
TRANS UNION LLC—District of Columbia12—
BLOCKCHAIN ASSOCIATIONThe Blockchain Association is a trade association representing the blockchain industryDistrict of Columbia11$50K
EQUIFAX, INC—Georgia11—
U.S. PUBLIC INTEREST RESEARCH GROUP—District of Columbia11—

Firms

Registrants who filed on the bill, by filings.

RegistrantClientsFilingsReported
CHAMBER OF COMMERCE OF THE U.S.A.17—
AMERICAN FINANCIAL SERVICES ASSOCIATION16—
AMERICANS FOR TAX REFORM14—
FEDERAL HALL POLICY ADVISORS, LLC14$120K
AMERICAN BANKERS ASSOCIATION13—
EXPERIAN NORTH AMERICA13—
THORN RUN PARTNERS13$170K
AARP12—
AMERICANS FOR FINANCIAL REFORM12—
CREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS12—
TRANS UNION LLC12—
EQUIFAX, INC.11—
GOLDSTEIN POLICY SOLUTIONS LLC11$50K
U.S. PUBLIC INTEREST RESEARCH GROUP11—

Lobbyists

Named on the filings that cite the bill. The 20 named most often, of 208.

LobbyistFirmsClientsFilings
ABELARDO TORRES117
ANDREA PORWOLL117
ASHLEY GUM117
BRADLEY WATTS117
BRINCE MANNING117
BROOKE MILLER117
CASSIA CARVALHO117
CHAD WHITEMAN117
CHANTEL SHEAKS117
CHRISTOPHER CRENSHAW117
CHRISTOPHER EYLER117
CHRISTOPHER GUITH117
CHRISTOPHER ROBERTI117
CLARK JACKSON117
DAN BYERS117
ERIN DELANEY117
ESPERANZA JELALIAN117
FOXHALL PARKER117
GARY LITMAN117
GERSON ("CHUCK") CHAITOVITZ117

Filings

The documents themselves, on the Senate’s Lobbying Disclosure site, largest reported first.

ClientRegistrantPeriodReportedDocument
CHAMBER OF COMMERCE OF THE U.S.A.CHAMBER OF COMMERCE OF THE U.S.A.2026 first_quarter$19.8M1st Quarter - Amendme…
CHAMBER OF COMMERCE OF THE U.S.A.CHAMBER OF COMMERCE OF THE U.S.A.2026 first_quarter$19.8M1st Quarter - Report
CHAMBER OF COMMERCE OF THE U.S.A.CHAMBER OF COMMERCE OF THE U.S.A.2025 second_quarter$19.3M2nd Quarter - Report
CHAMBER OF COMMERCE OF THE U.S.A.CHAMBER OF COMMERCE OF THE U.S.A.2025 first_quarter$19.3M1st Quarter - Report
CHAMBER OF COMMERCE OF THE U.S.A.CHAMBER OF COMMERCE OF THE U.S.A.2025 fourth_quarter$18M4th Quarter - Report
CHAMBER OF COMMERCE OF THE U.S.A.CHAMBER OF COMMERCE OF THE U.S.A.2026 second_quarter$17M2nd Quarter - Report
CHAMBER OF COMMERCE OF THE U.S.A.CHAMBER OF COMMERCE OF THE U.S.A.2025 third_quarter$13.7M3rd Quarter - Report
AARPAARP2025 first_quarter$6.6M1st Quarter - Amendme…
AARPAARP2025 first_quarter$6.6M1st Quarter - Report
AMERICAN BANKERS ASSOCIATIONAMERICAN BANKERS ASSOCIATION2025 third_quarter$2.2M3rd Quarter - Report
AMERICAN BANKERS ASSOCIATIONAMERICAN BANKERS ASSOCIATION2025 second_quarter$2M2nd Quarter - Report
AMERICAN BANKERS ASSOCIATIONAMERICAN BANKERS ASSOCIATION2025 first_quarter$1.7M1st Quarter - Report
CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONSCREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS2025 first_quarter$1.2M1st Quarter - Report
CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONSCREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS2025 second_quarter$1.2M2nd Quarter - Report
TRANS UNION LLCTRANS UNION LLC2025 second_quarter$600K2nd Quarter - Report
TRANS UNION LLCTRANS UNION LLC2025 first_quarter$560K1st Quarter - Report
EQUIFAX, INCEQUIFAX, INC.2025 first_quarter$380K1st Quarter - Report
EXPERIAN NORTH AMERICAEXPERIAN NORTH AMERICA2025 third_quarter$360K3rd Quarter - Report
EXPERIAN NORTH AMERICAEXPERIAN NORTH AMERICA2025 second_quarter$360K2nd Quarter - Report
EXPERIAN NORTH AMERICAEXPERIAN NORTH AMERICA2025 first_quarter$360K1st Quarter - Report

Classification

The Congressional Research Service files S.J.Res. 36 under Finance and Financial Sector, one of its 31 policy areas.

CRS Subjects

CRS assigns every bill one policy area from its 31; S.J.Res. 36’s is Finance and Financial Sector.

sjres36/policy-areas.txt
Finance and Financial SectorAgriculture and FoodAnimalsArmed Forces and National SecurityArts, Culture, ReligionCivil Rights and Liberties, Minority IssuesCommerceCongressCrime and Law EnforcementEconomics and Public FinanceEducationEmergency ManagementEnergyEnvironmental ProtectionFamiliesForeign Trade and International FinanceGovernment Operations and PoliticsHealthHousing and Community DevelopmentImmigrationInternational AffairsLabor and EmploymentLawNative AmericansPublic Lands and Natural ResourcesScience, Technology, CommunicationsSocial WelfareSports and RecreationTaxationTransportation and Public WorksWater Resources Development

Source: congress.gov · legiscan.com