Consumers would be directly affected. If this resolution passes, they would continue to benefit from whatever protections or disclosures are outlined in the original 'Fair Credit Reporting; File Disclosure' rule. This rule likely impacts how easily people can view their credit reports, understand the information on them, and potentially dispute errors.

Credit reporting agencies (like Experian, Equifax, and TransUnion) would also be affected, as they would have to continue complying with the requirements of the original 'Fair Credit Reporting; File Disclosure' rule. The Bureau of Consumer Financial Protection (BCFP) would find its decision to withdraw a rule overruled by Congress, affecting its regulatory authority in this specific area.