A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications".

Enumerated powers · passes

Congress has explicit authority to disapprove executive agency rules through legislation. Authority rests in Article I, Section 1 vesting legislative power in Congress, Article I, Section 8, Clause 3 over interstate commerce which payment apps conduct, and Article I, Section 8, Clause 18 to make laws necessary and proper for overseeing agencies Congress created. Passage followed Article I, Section 7, Clause 2 bicameralism and presentment, evidenced by enactment as Public Law No. 119-11.

Bill of Rights · passes

The resolution infringes no right in Amendments 1-10. It does not restrict speech, religion, press, assembly under the First Amendment, does not touch Second, Third, Fourth, Sixth, Seventh, or Eighth Amendment protections, and does not create any search, seizure, or compelled testimony. By removing expanded CFPB supervisory authority over nonbank payment app transaction data, it reduces rather than increases potential Fourth Amendment and Ninth Amendment privacy concerns.

Individual liberty · passes

The resolution restricts no person, property, labor, speech, or belief. It removes a federal supervisory expansion over general-use digital payment applications, thereby reducing compliance burdens on nonbank providers and surveillance exposure for users. The burden on government to justify expanded supervision is enforced here by Congress withholding that justification, leaving individual economic liberty intact.

Decentralization · passes

Applying the four-question test under the Tenth Amendment: (1) individuals cannot alone supervise large payment markets, (2) local counties cannot supervise interstate payment networks, (3) states can handle consumer-protection supervision under their own financial and deceptive-practice laws without federal involvement, (4) this action does NOT consolidate upward - it reverses federal consolidation by nullifying a federal rule and returning authority to Congress, the states, and the market. It moves power downward.

Due process and takings · passes

No deprivation of life, liberty, or property without due process under the Fifth Amendment and Fourteenth Amendment Section 1, and no taking without just compensation. The resolution imposes no fine, forfeiture, license revocation, or property seizure, and provides full procedural regularity through bicameralism and presentment under Article I, Section 7, Clause 2, with public notice via Public Law No. 119-11.