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 2024-02: Deceptive Marketing Practices About the Speed or Cost of Sending a Remittance Transfer".

Congress possesses the supreme legislative authority under the Constitution to enact resolutions disapproving executive agency actions, provided they adhere to the prescribed forms of bicameral passage and presentment to the President. This joint resolution, invoking a statutory mechanism for review of agency rules—including withdrawals thereof—exercises Congress's power to regulate commerce among the states and make necessary and proper laws for executing its enumerated powers, thereby checking executive discretion without violating separation of powers. Such oversight ensures republican bala…

Congress possesses the enumerated power to regulate Commerce with foreign Nations, and remittance transfers constitute such commerce involving transfers abroad. This joint resolution, exercising congressional disapproval of an executive bureau's action under prior statute, is a legitimate legislative act to direct matters within that power, preventing overreach by unelected officials. It does not infringe protected speech, as deceptive practices in commerce fall outside First Amendment safeguards, akin to fraud prohibitions known in founding era. The Tenth Amendment reserves undelegated powers…

Congress holds all legislative powers enumerated in the Constitution, including the authority to regulate commerce among the several states, which extends to financial practices such as remittance transfers that cross state lines. The proposed joint resolution, if enacted, exercises this legislative power to disapprove an administrative action by a bureau created under congressional authority, thereby checking potential executive overreach and maintaining the equilibrium of powers among the branches. This aligns with the principles of limited government and separation of powers, preventing any…

The Congress possesses all legislative powers herein granted by Article I, Section 1 of the Constitution, including the authority to regulate commerce among the several States under Article I, Section 8, Clause 3, as expounded in Gibbons v. Ogden (1824), wherein the power extends to transactions and courses of business affecting interstate intercourse. Remittance transfers, involving the conveyance of funds across state lines, fall within this commerce power. Pursuant to the necessary and proper clause, Article I, Section 8, Clause 18, as affirmed in McCulloch v. Maryland (1819), Congress may …