{"description":"Documents matching 'withdrawal of guidance', published on or after 01/01/2025, and from Consumer Financial Protection Bureau","count":12,"total_pages":1,"results":[{"title":"Interpretive Rules, Policy Statements, and Advisory Opinions; Withdrawal","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) is withdrawing many guidance documents issued since the CFPB assumed its functions in 2011.","document_number":"2025-08286","html_url":"https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-08286.pdf?1746794725","publication_date":"2025-05-12","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"review all <span class=\"match\">guidance</span> material previously produced and flag for retention <span class=\"match\">guidance</span> documents that conform to the principles set out in my separate April 11 memorandum on <span class=\"match\">guidance</span>. Bureau leadership has conducted a review of <span class=\"match\">guidance</span> documents and has determined to withdraw all <span class=\"match\">guidance</span> materials identified in section III below. Such <span class=\"match\">withdrawal</span> is not necessarily final. The Bureau intends to continue reviewing all <span class=\"match\">guidance</span> documents to determine whether they should ultimately be retained. However, the Bureau has determined that the <span class=\"match\">guidance</span> identified"},{"title":"Fees for Instantaneously Declined Transactions; Withdrawal of Proposed Rule","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is withdrawing its proposed rule to prohibit banks and other financial institutions from charging certain nonsufficient funds (NSF) fees, such as those for declined debit card purchases, Automated Teller Machine (ATM) withdrawals, and some person-to-person payments. The CFPB will determine whether a more comprehensive approach to also prohibit NSF fees charged for additional types of transactions will better protect consumers from potentially unlawful fees.","document_number":"2024-31385","html_url":"https://www.federalregister.gov/documents/2025/01/14/2024-31385/fees-for-instantaneously-declined-transactions-withdrawal-of-proposed-rule","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-14/pdf/2024-31385.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-31385.pdf?1736775917","publication_date":"2025-01-14","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"ACTION: \n <span class=\"match\">Withdrawal</span> of proposed rule. \n \n \n SUMMARY: \n The Consumer Financial Protection Bureau (CFPB) is withdrawing its proposed rule to prohibit banks and other financial institutions from charging certain nonsufficient funds (NSF) fees, such as those for declined debit card purchases, Automated Teller Machine (ATM) <span class=\"match\">withdrawals</span>, and some person-to-person payments. The CFPB will determine whether a more comprehensive approach to also prohibit NSF fees charged for additional types of transactions will better protect consumers from potentially"},{"title":"Withdrawal of Joint Statement on the Equal Credit Opportunity Act and Noncitizen Borrowers","type":"Notice","abstract":"The Consumer Financial Protection Bureau (Bureau) and Department of Justice (DOJ) are withdrawing a joint statement issued in October 2023 regarding the implications of a creditor's consideration of an individual's immigration status under the Equal Credit Opportunity Act (ECOA).","document_number":"2026-00328","html_url":"https://www.federalregister.gov/documents/2026/01/12/2026-00328/withdrawal-of-joint-statement-on-the-equal-credit-opportunity-act-and-noncitizen-borrowers","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-01-12/pdf/2026-00328.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-00328.pdf?1767966312","publication_date":"2026-01-12","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"exists, and this <span class=\"match\">withdrawal</span> is intended to correct any such misimpression. \n \n Separately, as announced in the Bureau's <span class=\"match\">guidance</span> <span class=\"match\">withdrawal</span> notification published in the \n Federal Register \n on May 12, 2025, which withdrew various <span class=\"match\">guidance</span> documents issued by the Bureau since 2011, the Bureau has revised its policies regarding the issuance of <span class=\"match\">guidance</span> documents.\n 4 \n \n Under the revised policy, the Bureau avoids issuing <span class=\"match\">guidance</span> that is not necessary or would increase compliance burdens. The Bureau concludes that additional <span class=\"match\">guidance</span> on this topic beyond"},{"title":"Prohibited Terms and Conditions in Agreements for Consumer Financial Products or Services (Regulation AA); Withdrawal of Proposed Rule","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) is withdrawing its Notice of Proposed Rule: Prohibited Terms and Conditions in Agreements for Consumer Financial Products or Services (Regulation AA) (NPRM). The Bureau has determined that legislative rulemaking is not necessary or appropriate at this time to address the subject matter of the NPRM. The Bureau will not take any further action on the NPRM.","document_number":"2025-08645","html_url":"https://www.federalregister.gov/documents/2025/05/15/2025-08645/prohibited-terms-and-conditions-in-agreements-for-consumer-financial-products-or-services-regulation","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-05-15/pdf/2025-08645.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-08645.pdf?1747226717","publication_date":"2025-05-15","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"ACTION: \n Proposed rule; <span class=\"match\">withdrawal</span>. \n \n \n SUMMARY: \n The Consumer Financial Protection Bureau (Bureau or CFPB) is withdrawing its Notice of Proposed Rule: Prohibited Terms and Conditions in Agreements for Consumer Financial Products or Services (Regulation AA) (NPRM). The Bureau has determined that legislative rulemaking is not necessary or appropriate at this time to address the subject matter of the NPRM. The Bureau will not take any further action on the NPRM. \n \n \n DATES: \n The notice of proposed rulemaking is withdrawn as of May 15, 2025."},{"title":"Protecting Americans From Harmful Data Broker Practices (Regulation V); Withdrawal of Proposed Rule","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) is withdrawing its Notice of Proposed Rule: Protecting Americans from Harmful Data Broker Practices (Regulation V) (NPRM). The Bureau has determined that legislative rulemaking is not necessary or appropriate at this time to address the subject matter of the NPRM. The Bureau will not take any further action on the NPRM.","document_number":"2025-08644","html_url":"https://www.federalregister.gov/documents/2025/05/15/2025-08644/protecting-americans-from-harmful-data-broker-practices-regulation-v-withdrawal-of-proposed-rule","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-05-15/pdf/2025-08644.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-08644.pdf?1747226717","publication_date":"2025-05-15","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"ACTION: \n Proposed rule; <span class=\"match\">withdrawal</span>. \n \n \n SUMMARY: \n The Consumer Financial Protection Bureau (Bureau or CFPB) is withdrawing its Notice of Proposed Rule: Protecting Americans from Harmful Data Broker Practices (Regulation V) (NPRM). The Bureau has determined that legislative rulemaking is not necessary or appropriate at this time to address the subject matter of the NPRM. The Bureau will not take any further action on the NPRM. \n \n \n DATES: \n The proposed rule is withdrawn as of May 15, 2025. \n \n \n ADDRESSES: \n \n You can view and download related"},{"title":"Electronic Fund Transfers Through Accounts Established Primarily for Personal, Family, or Household Purposes Using Emerging Payment Mechanisms; Withdrawal","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (Bureau) is withdrawing a proposed interpretive rule, Electronic Fund Transfers Through Accounts Established Primarily for Personal, Family, or Household Purposes Using Emerging Payment Mechanisms. The Bureau will not take any further action on this proposed interpretive rule.","document_number":"2025-08646","html_url":"https://www.federalregister.gov/documents/2025/05/15/2025-08646/electronic-fund-transfers-through-accounts-established-primarily-for-personal-family-or-household","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-05-15/pdf/2025-08646.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-08646.pdf?1747226717","publication_date":"2025-05-15","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"ACTION: \n Proposed interpretive rule; <span class=\"match\">withdrawal</span>. \n \n \n SUMMARY: \n The Consumer Financial Protection Bureau (Bureau) is withdrawing a proposed interpretive rule, Electronic Fund Transfers Through Accounts Established Primarily for Personal, Family, or Household Purposes Using Emerging Payment Mechanisms. The Bureau will not take any further action on this proposed interpretive rule. \n \n \n DATES: \n The proposed interpretive rule is withdrawn as of May 15, 2025. \n \n \n ADDRESSES: \n \n You can view and download related documents and public comments by"},{"title":"Fair Credit Reporting Act; Preemption of State Laws","type":"Rule","abstract":"The Consumer Financial Protection Bureau (Bureau) is issuing this interpretive rule to clarify that the Fair Credit Reporting Act (FCRA) generally preempts State laws that touch on broad areas of credit reporting, consistent with Congress's intent to create national standards for the credit reporting system. This interpretive rule replaces a July 2022 interpretive rule that the Bureau withdrew in May 2025.","document_number":"2025-19671","html_url":"https://www.federalregister.gov/documents/2025/10/28/2025-19671/fair-credit-reporting-act-preemption-of-state-laws","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-10-28/pdf/2025-19671.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19671.pdf?1761569107","publication_date":"2025-10-28","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"not meet its current standards for the issuance of <span class=\"match\">guidance</span>. Additionally, consistent with its May 2025 <span class=\"match\">guidance</span> <span class=\"match\">withdrawal</span> notice, the Bureau does not believe that reliance interests compel the retention or reissuance of the 2022 rule. Parties understand that <span class=\"match\">guidance</span>, including the 2022 rule, is non-binding. Parties interested in the application of FCRA preemption to particular State laws can litigate such questions in court. The 2022 rule was not binding on the public or courts, and the <span class=\"match\">withdrawal</span> of the 2022 rule will have no effect on the legal"},{"title":"Statement on Ability To Repay and Immigration Status","type":"Notice","abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) is issuing this statement to remind creditors of their obligations under the Truth in Lending Act (TILA) as implemented by Regulation Z, and consistent with Executive Order 14406, titled \"Restoring Integrity to America's Financial System.\"","document_number":"2026-11447","html_url":"https://www.federalregister.gov/documents/2026/06/08/2026-11447/statement-on-ability-to-repay-and-immigration-status","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-06-08/pdf/2026-11447.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-11447.pdf?1780663517","publication_date":"2026-06-08","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"this country on a student visa.” \n Id. \n \n \n \n \n 20 \n  CFPB, \n <span class=\"match\">Withdrawal</span> of Joint Statement on the Equal Credit Opportunity Act and Noncitizen Borrowers, \n 91 FR 1138, 1139 (Jan. 12, 2026).\n \n \n II. Discussion \n \n As discussed above, continued access to employment can be a key component of assessing a borrower's income. A borrower's income and indications of a change to that income are often critical to reasonably assessing a borrower's ability to repay. The Bureau issues this <span class=\"match\">guidance</span> to remind creditors that, when determining repayment ability"},{"title":"Truth in Lending (Regulation Z); Consumer Credit Offered to Borrowers in Advance of Expected Receipt of Compensation for Work","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing this advisory opinion to rescind an advisory opinion it issued in November 2020 that described how one particular type of \"earned wage\" product does not involve the offering or extension of \"credit\" as that term is defined in the Truth in Lending Act and Regulation Z.","document_number":"2025-00381","html_url":"https://www.federalregister.gov/documents/2025/01/15/2025-00381/truth-in-lending-regulation-z-consumer-credit-offered-to-borrowers-in-advance-of-expected-receipt-of","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-15/pdf/2025-00381.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-00381.pdf?1736862324","publication_date":"2025-01-15","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"the offering or extension of “credit” as that term is defined in the Truth in Lending Act and Regulation Z. \n \n \n DATES: \n This advisory opinion is applicable January 15, 2025. \n \n \n FOR FURTHER INFORMATION CONTACT: \n \n George Karithanom, Regulatory Implementation &amp; <span class=\"match\">Guidance</span> Program Analyst, Office of Regulations, at 202-435-7700 or at: \n https://reginquiries.consumerfinance.gov/. \n If you require this document in an alternative electronic format, please contact \n CFPB_Accessibility@cfpb.gov. \n \n \n \n \n SUPPLEMENTARY INFORMATION: \n I. Advisory"},{"title":"Truth in Lending (Regulation Z); Non-application to Earned Wage Access Products","type":"Notice","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing this advisory opinion to resolve regulatory uncertainty regarding: (1) the applicability of the definition of credit under Regulation Z, which implements the Truth in Lending Act (TILA), to earned wage access (EWA) products that conform to the description of \"Covered EWA\" provided in part I.C.2 of this advisory opinion; and (2) the applicability of the definition of finance charge under Regulation Z to certain EWA-related charges (expedited delivery fees, tips) to the extent any EWA products meet the Regulation Z definition of credit. The CFPB is also withdrawing a proposed interpretive rule.","document_number":"2025-23735","html_url":"https://www.federalregister.gov/documents/2025/12/23/2025-23735/truth-in-lending-regulation-z-non-application-to-earned-wage-access-products","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-12-23/pdf/2025-23735.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-23735.pdf?1766411120","publication_date":"2025-12-23","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"addition, most States to have specifically considered EWA legislatively do not regulate EWA as credit.\n 50 \n \n And two States offering regulatory <span class=\"match\">guidance</span> on EWA determined that it does not count as a loan under State law.\n 51 \n \n \n \n \n 49 \n  Regulation Z provides that undefined terms “have the meanings given to them by state law or contract” (12 CFR 1026.2(b)(3)), but the regulation offers no <span class=\"match\">guidance</span> about how to apply this provision, and there is little applicable case law. Some cases have interpreted the provision as an instruction to consult"},{"title":"Rules of Practice for Adjudication Proceedings; Rescission","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (Bureau) is proposing to rescind the amendments it adopted to the Rules of Practice for Adjudication Proceedings (Rules of Practice) on February 22, 2022, and March 29, 2023.","document_number":"2025-08344","html_url":"https://www.federalregister.gov/documents/2025/05/13/2025-08344/rules-of-practice-for-adjudication-proceedings-rescission","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-05-13/pdf/2025-08344.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-08344.pdf?1747053913","publication_date":"2025-05-13","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"provided in this section.\n \n \n (b) \n Manner of filing. \n Unless otherwise specified by the Director or the hearing officer, filing may be accomplished by:\n \n (1) Electronic transmission in accordance with <span class=\"match\">guidance</span> issued by the Office of Administrative Adjudication; or \n (2) Any of the following methods if respondent demonstrates, in accordance with <span class=\"match\">guidance</span> issued by the Office of Administrative Adjudication, that electronic filing is not practicable: \n (i) Personal delivery; \n (ii) Delivery to a reliable commercial courier service or overnight delivery"},{"title":"Rules of Practice for Adjudication Proceedings","type":"Rule","abstract":"The Rules of Practice for Adjudication Proceedings (Rules of Practice) govern adjudication proceedings conducted by the Consumer Financial Protection Bureau (CFPB). The CFPB issued a proposal to rescind amendments it adopted to the Rules of Practice on February 22, 2022, and March 29, 2023 (2022 and 2023 amendments). The 2022 and 2023 amendments that the Bureau proposed to rescind included a new deposition process, amendments concerning timing and deadlines, bifurcation of proceedings, the process for deciding dispositive motions, and requirements for issue exhaustion, as well as other technical changes. After considering the comments on the proposal, the CFPB has decided to rescind the amendments as proposed, except as related to narrow clarificatory and procedural changes.","document_number":"2025-19687","html_url":"https://www.federalregister.gov/documents/2025/10/29/2025-19687/rules-of-practice-for-adjudication-proceedings","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-10-29/pdf/2025-19687.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19687.pdf?1761655506","publication_date":"2025-10-29","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"provided in this section.\n \n \n (b) \n Manner of filing. \n Unless otherwise specified by the Director or the hearing officer, filing may be accomplished by:\n \n (1) Electronic transmission in accordance with <span class=\"match\">guidance</span> issued by the Office of Administrative Adjudication; or \n (2) Any of the following methods if respondent demonstrates, in accordance with <span class=\"match\">guidance</span> issued by the Office of Administrative Adjudication, that electronic filing is not practicable: \n (i) Personal delivery; \n (ii) Delivery to a reliable commercial courier service or overnight delivery"}]}