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)".
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S.J.Res. 36 is a resolution that seeks to overturn a recent rule issued by the Consumer Financial Protection Bureau (CFPB). If passed, this resolution would nullify the CFPB’s regulation that currently prevents medical debt from being included on consumer credit reports.
The rule being challenged prohibits creditors and credit reporting agencies from using medical debt information when deciding whether a person is eligible for credit. If this resolution is enacted, the CFPB rule would be canceled, allowing medical debt to once again appear on credit reports and be considered by lenders.
This resolution does not change the underlying laws regarding how medical debt is billed or collected by healthcare providers. It specifically addresses the regulatory authority of the CFPB to restrict the use of medical information in credit reporting.
S.J.Res. 36 是一项旨在推翻消费者金融保护局 (CFPB) 近期所发布规则的联合决议。如果该决议获得通过，它将废除 CFPB 目前禁止将医疗债务纳入消费者信用报告的规定。
目前受挑战的这项规则禁止债权人和信用报告机构在评估个人信贷资格时使用医疗债务信息。如果该决议生效，CFPB 的这项规则将被取消，医疗债务将可以再次出现在信用报告中，并被贷款机构作为评估依据。
该决议并未改变有关医疗服务提供者如何开具或收取医疗债务的现有法律。它仅针对 CFPB 在限制信用报告中使用医疗信息方面的监管权限。