{"description":"Documents matching 'debt collection' and from Consumer Financial Protection Bureau","count":356,"total_pages":18,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bagencies%5D%5B%5D=consumer-financial-protection-bureau&conditions%5Bterm%5D=debt+collection&format=json&page=2","results":[{"title":"Defining Larger Participants of the Consumer Debt Collection Market","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) is seeking information to assist it in considering whether to propose a rule to amend the test to define larger participants in the consumer debt collection market established by the Bureau's Defining Larger Participants of the Consumer Debt Collection Market Final Rule published on October 31, 2012 (Consumer Debt Collection Larger Participant Rule).","document_number":"2025-15091","html_url":"https://www.federalregister.gov/documents/2025/08/08/2025-15091/defining-larger-participants-of-the-consumer-debt-collection-market","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-08-08/pdf/2025-15091.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-15091.pdf?1754570762","publication_date":"2025-08-08","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":"costs of <span class=\"match\">collection</span>. <span class=\"match\">Debt</span> buyers sometimes use third-party <span class=\"match\">debt</span> collectors or <span class=\"match\">collection</span> attorneys to collect their <span class=\"match\">debts</span>, but many also undertake their own <span class=\"match\">collection</span> efforts. <span class=\"match\">Debt</span> buyers also may decide to sell purchased <span class=\"match\">debt</span> to other <span class=\"match\">debt</span> buyers. Additionally, <span class=\"match\">collection</span> attorneys play a role in the consumer <span class=\"match\">debt</span> <span class=\"match\">collection</span> market. <span class=\"match\">Collection</span> attorneys undertake traditional <span class=\"match\">collection</span> efforts, such as contacting consumers by telephone or written communication. Attorneys also file lawsuits against consumers to collect <span class=\"match\">debts</span> or may buy <span class=\"match\">debt</span> and collect"},{"title":"Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is revising the date of applicability of the advisory opinion entitled \"Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt\" to January 2, 2025.","document_number":"2024-27791","html_url":"https://www.federalregister.gov/documents/2024/11/29/2024-27791/debt-collection-practices-regulation-f-deceptive-and-unfair-collection-of-medical-debt","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-11-29/pdf/2024-27791.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-27791.pdf?1732715122","publication_date":"2024-11-29","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":"ACTION: \n Advisory opinion; revision of date of applicability. \n \n \n SUMMARY: \n The Consumer Financial Protection Bureau (CFPB) is revising the date of applicability of the advisory opinion entitled “<span class=\"match\">Debt</span> <span class=\"match\">Collection</span> Practices (Regulation F); Deceptive and Unfair <span class=\"match\">Collection</span> of Medical <span class=\"match\">Debt</span>” to January 2, 2025. \n \n \n DATES: \n This advisory opinion is applicable as of January 2, 2025. \n \n \n FOR FURTHER INFORMATION CONTACT: \n \n George Karithanom, Regulatory Implementation &amp; Guidance Program Analyst, Office of Regulations, at 202-435-7700 or at:"},{"title":"Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing this advisory opinion to remind debt collectors of their obligation to comply with the Fair Debt Collection Practices Act (FDCPA) and Regulation F's prohibitions on false, deceptive, or misleading representations or means in connection with the collection of any medical debt and unfair or unconscionable means to collect or attempt to collect any medical debts.","document_number":"2024-22962","html_url":"https://www.federalregister.gov/documents/2024/10/04/2024-22962/debt-collection-practices-regulation-f-deceptive-and-unfair-collection-of-medical-debt","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-10-04/pdf/2024-22962.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-22962.pdf?1727959529","publication_date":"2024-10-04","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":"agreed-to amount, <span class=\"match\">collection</span> or attempted <span class=\"match\">collection</span> of the full amount without accounting for the partial payment is <span class=\"match\">collection</span> of an amount \n greater \n than that agreed to or permitted by law. Such <span class=\"match\">collection</span> or attempted <span class=\"match\">collection</span> would also violate the FDCPA's prohibitions against deceptive or misleading <span class=\"match\">debt</span> <span class=\"match\">collection</span> practices because it would misrepresent the amount of the <span class=\"match\">debt</span> actually owed.\n 41 \n \n Because payments toward a <span class=\"match\">debt</span> might be made at any time, <span class=\"match\">debt</span> collectors are responsible for ensuring that the correct <span class=\"match\">collection</span> amount is sought"},{"title":"Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing a final rule amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), concerning medical information. The FCRA prohibits creditors from considering medical information in credit eligibility determinations. The CFPB is removing a regulatory exception that had permitted creditors to obtain and use information on medical debts notwithstanding this statutory limitation. The final rule also provides that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using.","document_number":"2024-30824","html_url":"https://www.federalregister.gov/documents/2025/01/14/2024-30824/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-14/pdf/2024-30824.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-30824.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":"appears as a <span class=\"match\">collection</span> tradeline. After a medical <span class=\"match\">debt</span> has been placed by the creditor in <span class=\"match\">collections</span> status because the <span class=\"match\">debt</span> has been unpaid for a period of time, the medical <span class=\"match\">debt</span> may be furnished as a <span class=\"match\">collections</span> tradeline to consumer reporting agencies by a <span class=\"match\">debt</span> collector, including a <span class=\"match\">debt</span> collector who collects on behalf of the original creditor for a fee, as well as a <span class=\"match\">debt</span> collector who purchases overdue accounts outright from the original creditor (also known as a <span class=\"match\">debt</span> buyer).\n 27 \n \n Such tradelines are referred to as medical <span class=\"match\">collections</span> or medical"},{"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":"(Jan. 23, 2024). \n 3. <span class=\"match\">Debt</span> <span class=\"match\">Collection</span> Practices (Regulation F); Deceptive and Unfair <span class=\"match\">Collection</span> of Medical <span class=\"match\">Debt</span>, 89 FR 80715 (Oct. 4, 2024). \n 4. Fair Credit Reporting; Background Screening, 89 FR 4171 (Jan. 23, 2024). \n 5. Truth in Lending (Regulation Z); Consumer Protections for Home Sales Financed Under Contracts for Deed, 89 FR 68086 (Aug. 23, 2024). \n 6. Consumer Information Requests to Large Banks and Credit Unions, 88 FR 71279 (Oct. 16, 2023). \n 7. Fair <span class=\"match\">Debt</span> <span class=\"match\">Collection</span> Practices Act (Regulation F); Time-Barred <span class=\"match\">Debt</span>, 88 FR 26475 (May 1, 2023)"},{"title":"Agency Information Collection Activities; Comment Request","type":"Notice","abstract":"In accordance with the Paperwork Reduction Act of 1995 (PRA), the Consumer Financial Protection Bureau (CFPB) requests the Office of Management and Budget's (OMB's) revision of the existing information collection titled \"Regulation F: Fair Debt Collection Practices Act, State Application for Exemption\" approved under OMB Control Number 3170-0056.","document_number":"2024-15129","html_url":"https://www.federalregister.gov/documents/2024/07/10/2024-15129/agency-information-collection-activities-comment-request","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-07-10/pdf/2024-15129.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-15129.pdf?1720529131","publication_date":"2024-07-10","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":"communications in connection with <span class=\"match\">debt</span> <span class=\"match\">collection</span> and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in <span class=\"match\">debt</span> <span class=\"match\">collection</span>. Regulation F includes information <span class=\"match\">collections</span> related to information that <span class=\"match\">debt</span> collectors must provide to consumers at various points during the <span class=\"match\">debt</span> <span class=\"match\">collection</span> process (such as at the outset of <span class=\"match\">collections</span>), before reporting a <span class=\"match\">debt</span> to a consumer reporting agency, and in response to certain consumer requests or actions. Regulation F also includes information <span class=\"match\">collections</span> related to recordkeeping"},{"title":"Civil Penalty Inflation Adjustments","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is adjusting for inflation the maximum amount of each civil penalty within the CFPB's jurisdiction. These adjustments are required by the Federal Civil Penalties Inflation Adjustment Act of 1990 (Inflation Adjustment Act), as amended by the Debt Collection Improvement Act of 1996 and further amended by the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015. The inflation adjustments mandated by the Inflation Adjustment Act serve to maintain the deterrent effect of civil penalties and to promote compliance with the law.","document_number":"2025-00167","html_url":"https://www.federalregister.gov/documents/2025/01/08/2025-00167/civil-penalty-inflation-adjustments","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-08/pdf/2025-00167.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-00167.pdf?1736257525","publication_date":"2025-01-08","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":"Financial Protection Bureau (CFPB) is adjusting for inflation the maximum amount of each civil penalty within the CFPB's jurisdiction. These adjustments are required by the Federal Civil Penalties Inflation Adjustment Act of 1990 (Inflation Adjustment Act), as amended by the <span class=\"match\">Debt</span> <span class=\"match\">Collection</span> Improvement Act of 1996 and further amended by the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015. The inflation adjustments mandated by the Inflation Adjustment Act serve to maintain the deterrent effect of civil penalties and to promote compliance"},{"title":"Defining Larger Participants of the Automobile Financing Market","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) is seeking information to assist it in considering whether to propose a rule to amend the test to define larger participants in the automobile financing market established by the Bureau's Defining Larger Participants of the Automobile Financing Market and Defining Certain Automobile Leasing Activity as a Financial Product or Service Final Rule published on June 30, 2015 (Automobile Financing Larger Participant Rule).","document_number":"2025-15089","html_url":"https://www.federalregister.gov/documents/2025/08/08/2025-15089/defining-larger-participants-of-the-automobile-financing-market","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-08-08/pdf/2025-15089.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-15089.pdf?1754570719","publication_date":"2025-08-08","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":"\n see also \n 12 U.S.C. 5481(5) (defining “consumer financial product or service”).\n \n \n \n \n 5 \n  These six rules defined larger participants of markets for consumer reporting, 77 FR 42874 (July 20, 2012) (Consumer Reporting Rule), consumer <span class=\"match\">debt</span> <span class=\"match\">collection</span>, 77 FR 65775 (Oct. 31, 2012) (Consumer <span class=\"match\">Debt</span> <span class=\"match\">Collection</span> Rule), student loan servicing, 78 FR 73383 (Dec. 6, 2013) (Student Loan Servicing Rule), international money transfers, 79 FR 56631 (Sept. 23, 2014) (International Money Transfer Rule), automobile financing, 80 FR 37496 (June 30, 2015) (Automobile"},{"title":"Defining Larger Participants of the Consumer Reporting Market","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) is seeking information to assist it in considering whether to propose a rule to amend the test to define larger participants in the consumer reporting market established by the Bureau's Defining Larger Participants of the Consumer Reporting Market Final Rule published on July 20, 2012 (Consumer Reporting Larger Participant Rule).","document_number":"2025-15088","html_url":"https://www.federalregister.gov/documents/2025/08/08/2025-15088/defining-larger-participants-of-the-consumer-reporting-market","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-08-08/pdf/2025-15088.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-15088.pdf?1754570758","publication_date":"2025-08-08","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":"\n see also \n 12 U.S.C. 5481(5) (defining “consumer financial product or service”).\n \n \n \n \n 5 \n  These six rules defined larger participants of markets for consumer reporting, 77 FR 42874 (July 20, 2012) (Consumer Reporting Rule); consumer <span class=\"match\">debt</span> <span class=\"match\">collection</span>, 77 FR 65775 (Oct. 31, 2012) (Consumer <span class=\"match\">Debt</span> <span class=\"match\">Collection</span> Rule); student loan servicing, 78 FR 73383 (Dec. 6, 2013) (Student Loan Servicing Rule); international money transfers, 79 FR 56631 (Sept. 23, 2014) (International Money Transfer Rule); automobile financing, 80 FR 37496 (June 30, 2015) (Automobile"},{"title":"Defining Larger Participants of the International Money Transfer Market","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) is seeking information to assist it in considering whether to propose a rule to amend the test to define larger participants in the international money transfer market established by the Bureau's Defining Larger Participants of the International Money Transfer Market Final Rule published on September 9, 2014 (International Money Transfer Larger Participant Rule or 2014 Rule).","document_number":"2025-15090","html_url":"https://www.federalregister.gov/documents/2025/08/08/2025-15090/defining-larger-participants-of-the-international-money-transfer-market","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-08-08/pdf/2025-15090.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-15090.pdf?1754570721","publication_date":"2025-08-08","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":"\n see also \n 12 U.S.C. 5481(5) (defining “consumer financial product or service”).\n \n \n \n \n 5 \n  These six rules defined larger participants of markets for consumer reporting, 77 FR 42874 (July 20, 2012) (Consumer Reporting Rule), consumer <span class=\"match\">debt</span> <span class=\"match\">collection</span>, 77 FR 65775 (Oct. 31, 2012) (Consumer <span class=\"match\">Debt</span> <span class=\"match\">Collection</span> Rule), student loan servicing, 78 FR 73383 (Dec. 6, 2013) (Student Loan Servicing Rule), international money transfers, 79 FR 56631 (Sept. 23, 2014) (International Money Transfer Rule), automobile financing, 80 FR 37496 (June 30, 2015) (Automobile"},{"title":"Supervisory Highlights: Servicing and Collection of Consumer Debt, Issue 34, Summer 2024","type":"Notice","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) is issuing its thirty fourth edition of Supervisory Highlights.","document_number":"2024-15960","html_url":"https://www.federalregister.gov/documents/2024/07/19/2024-15960/supervisory-highlights-servicing-and-collection-of-consumer-debt-issue-34-summer-2024","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-07-19/pdf/2024-15960.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-15960.pdf?1721306732","publication_date":"2024-07-19","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":"in connection with <span class=\"match\">debt</span> <span class=\"match\">collection</span>. The <span class=\"match\">collection</span> of <span class=\"match\">debt</span> is an important and necessary part of the consumer financial marketplace, whether through servicing of current loans or the <span class=\"match\">collection</span> of delinquent <span class=\"match\">debt</span>. But servicing and <span class=\"match\">collections</span> also present risk of harm to consumers if handled improperly, particularly where there are violations of applicable law. This edition highlights violations of law and consumer harm in the areas of auto and student loan servicing and <span class=\"match\">debt</span> <span class=\"match\">collection</span>, including credit card <span class=\"match\">debt</span> <span class=\"match\">collections</span>.\n \n \n This edition"},{"title":"Agency Information Collection Activities: Comment Request","type":"Notice","abstract":"In accordance with the Paperwork Reduction Act of 1995 (PRA), the Consumer Financial Protection Bureau (CFPB) is requesting the revision of the Office of Management and Budget's (OMB's) approval for an existing information collection titled, \"Regulation F: Fair Debt Collection Practices Act, State Application for Exemption,\" approved under OMB Control Number 3170-0056.","document_number":"2024-05449","html_url":"https://www.federalregister.gov/documents/2024/03/14/2024-05449/agency-information-collection-activities-comment-request","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-03-14/pdf/2024-05449.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-05449.pdf?1710333931","publication_date":"2024-03-14","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":"in connection with <span class=\"match\">debt</span> <span class=\"match\">collection</span> and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in <span class=\"match\">debt</span> <span class=\"match\">collection</span>. Regulation F includes information <span class=\"match\">collections</span> related to information that <span class=\"match\">debt</span> collectors must provide to consumers at various points during the <span class=\"match\">debt</span> <span class=\"match\">collection</span> process (such as at the outset of <span class=\"match\">collections</span>), before \n \n reporting a <span class=\"match\">debt</span> to a consumer reporting agency, and in response to certain consumer requests or actions. Regulation F also includes information <span class=\"match\">collections</span> related to recordkeeping"},{"title":"Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is seeking public comment on a proposed rule amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), concerning medical information. The CFPB is proposing to remove a regulatory exception in Regulation V from the limitation in the FCRA on creditors obtaining or using information on medical debts for credit eligibility determinations. The proposed rule would also provide that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using.","document_number":"2024-13208","html_url":"https://www.federalregister.gov/documents/2024/06/18/2024-13208/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-06-18/pdf/2024-13208.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-13208.pdf?1718628315","publication_date":"2024-06-18","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":"medical <span class=\"match\">collections</span> tradelines could be due to <span class=\"match\">debt</span> <span class=\"match\">collection</span> furnishing practices. Some medical <span class=\"match\">debt</span> collectors previously used <span class=\"match\">debt</span> <span class=\"match\">collection</span> furnishing to engage in a practice known as “<span class=\"match\">debt</span> parking,” or “passive <span class=\"match\">collection</span>.” <span class=\"match\">Debt</span> collectors would report a <span class=\"match\">debt</span> to a consumer reporting agency, then wait for the consumer to notice the tradeline when, for example, applying for credit. The consumer may then pay the <span class=\"match\">debt</span>, possibly without raising any dispute as to any errors in order to access needed credit. The CFPB issued final rules on <span class=\"match\">debt</span> collection"},{"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":"2(a)(14) of Regulation Z defines “credit” as “the right to defer payment of <span class=\"match\">debt</span> or to incur <span class=\"match\">debt</span> and defer its payment.” \n 32 \n \n Neither Regulation Z nor TILA define the term “<span class=\"match\">debt</span>.” Covered EWA does not provide workers with the right to defer payment of <span class=\"match\">debt</span> or to incur <span class=\"match\">debt</span> and defer its payment. As a result, Covered EWA is not credit.\n \n \n \n 32 \n  12 CFR 1026.2(a)(14). TILA defines “credit” as “the right granted by a creditor to a debtor to defer payment of <span class=\"match\">debt</span> or to incur <span class=\"match\">debt</span> and defer its payment.” 15 U.S.C. 1602(f).\n \n \n \n As explained further"},{"title":"Agency Information Collection Activities: Comment Request","type":"Notice","abstract":"In accordance with the Paperwork Reduction Act of 1995 (PRA), the Consumer Financial Protection Bureau (CFPB) requests the revision of the Office of Management and Budget's (OMB's) approval for an existing information collection titled \"Making Ends Meet Survey\" approved under OMB Number 3170-0080.","document_number":"2024-22491","html_url":"https://www.federalregister.gov/documents/2024/10/01/2024-22491/agency-information-collection-activities-comment-request","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-10-01/pdf/2024-22491.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-22491.pdf?1727700340","publication_date":"2024-10-01","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":"Whether the <span class=\"match\">collection</span> of information is \n \n necessary for the proper performance of the functions of the CFPB, including whether the information will have practical utility; (b) The accuracy of the CFPB's estimate of the burden of the <span class=\"match\">collection</span> of information, including the validity of the methods and the assumptions used; (c) Ways to enhance the quality, utility, and clarity of the information to be collected; and (d) Ways to minimize the burden of the <span class=\"match\">collection</span> of information on respondents, including through the use of automated <span class=\"match\">collection</span> techniques"},{"title":"Privacy Act of 1974; System of Records","type":"Notice","abstract":"In accordance with the Privacy Act of 1974, the Consumer Financial Protection Bureau (CFPB or Bureau) proposes to modify a current Privacy Act System of Records titled, \"CFPB.025 Civil Penalty Fund and Bureau-Administered Redress Program Records.\" This system of records enables the CFPB to manage the distribution of the Civil Penalty Fund and redress monies to consumers.","document_number":"2025-23612","html_url":"https://www.federalregister.gov/documents/2025/12/22/2025-23612/privacy-act-of-1974-system-of-records","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-12-22/pdf/2025-23612.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-23612.pdf?1766151925","publication_date":"2025-12-22","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":"became a “final order” as defined by the Consumer Financial Civil Penalty Fund Rule, 12 CFR part 1075; the amount of civil penalties or redress ordered; the due date for payments of civil penalties and redress funds; the date and amount of payments made; the status of <span class=\"match\">debt</span> <span class=\"match\">collection</span> efforts; and the balances of the Bureau's accounts as payments are made. \n RECORD SOURCE CATEGORIES: \n Information in this system is provided by (1) individuals identified as victims or potential victims who may receive payments from the Civil Penalty fund or through"},{"title":"Civil Penalty Inflation Adjustments","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is adjusting for inflation the maximum amount of each civil penalty within the CFPB's jurisdiction. These adjustments are required by the Federal Civil Penalties Inflation Adjustment Act of 1990 (Inflation Adjustment Act), as amended by the Debt Collection Improvement Act of 1996 and further amended by the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015. The inflation adjustments mandated by the Inflation Adjustment Act serve to maintain the deterrent effect of civil penalties and to promote compliance with the law.","document_number":"2024-00456","html_url":"https://www.federalregister.gov/documents/2024/01/11/2024-00456/civil-penalty-inflation-adjustments","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-01-11/pdf/2024-00456.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-00456.pdf?1704894332","publication_date":"2024-01-11","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":"Financial Protection Bureau (CFPB) is adjusting for inflation the maximum amount of each civil penalty within the CFPB's jurisdiction. These adjustments are required by the Federal Civil Penalties Inflation Adjustment Act of 1990 (Inflation Adjustment Act), as amended by the <span class=\"match\">Debt</span> <span class=\"match\">Collection</span> Improvement Act of 1996 and further amended by the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015. The inflation adjustments mandated by the Inflation Adjustment Act serve to maintain the deterrent effect of civil penalties and to promote compliance"},{"title":"Agency Information Collection Activities: Comment Request","type":"Notice","abstract":"In accordance with the Paperwork Reduction Act of 1995 (PRA), the Consumer Financial Protection Bureau (CFPB) is requesting the revision of the Office of Management and Budget's (OMB's) approval for an existing information collection titled \"Making Ends Meet Survey\" approved under OMB Control Number 3170-0080.","document_number":"2024-06407","html_url":"https://www.federalregister.gov/documents/2024/03/26/2024-06407/agency-information-collection-activities-comment-request","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-03-26/pdf/2024-06407.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-06407.pdf?1711370740","publication_date":"2024-03-26","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","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":"dealing with medical <span class=\"match\">debt</span> as well as consumers' interactions with various financial products. The second survey will go to a new sample of consumers from the CCIP and will address several topics of interest to the CFPB possibly including the impact of natural disasters and other environmental events, credit shopping behavior, additional follow-up regarding <span class=\"match\">debt</span> <span class=\"match\">collection</span>, and the assessment of various fees throughout the financial services ecosystem. \n \n Request for Comments: \n Comments are invited on: (a) Whether the <span class=\"match\">collection</span> of information is"},{"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":"Analysis Is Significantly Flawed in Numerous Respects \n \n Section 1026.2(a)(14) of Regulation Z defines “credit” as “the right to defer payment of <span class=\"match\">debt</span> or to incur <span class=\"match\">debt</span> and defer its payment.” \n 10 \n \n TILA defines “credit” virtually identically as “the right granted by a creditor to a debtor to defer payment of <span class=\"match\">debt</span> or to incur <span class=\"match\">debt</span> and defer its payment.” \n 11 \n \n However, TILA and Regulation Z do not define “<span class=\"match\">debt</span>.” Regulation Z provides that undefined terms “have the meanings given to them by state law or contract.” \n 12 \n \n \n \n \n 10 \n  12 CFR 1026.2(a)(14)"},{"title":"Legal Standard Applicable to Supervisory Designation Proceedings","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) is proposing to adopt a standard definition of \"risks to consumers with regard to the offering or provision of consumer financial products or services\" that will bind the Bureau in proceedings to designate nonbank covered persons for Bureau supervision. This will ensure that the Bureau acts within the bounds of its statutory authority and provide clarity to institutions about the standard the Bureau applies.","document_number":"2025-16352","html_url":"https://www.federalregister.gov/documents/2025/08/26/2025-16352/legal-standard-applicable-to-supervisory-designation-proceedings","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-08-26/pdf/2025-16352.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-16352.pdf?1756125947","publication_date":"2025-08-26","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":"intermediation); 523920 (Portfolio management); 523930 (Investment advice); 532112 (Passenger car leasing); 532120 (Truck, utility trailer, and recreational vehicle rental and leasing); 5313 (Activities related to real estate); 561450 (Consumer reporting); and 561440 (<span class=\"match\">Debt</span> <span class=\"match\">collection</span>).\n \n \n \n \n 6 \n  The Bureau's designations of Google Payment Corp., which formerly provided a peer-to-peer payment product, and World Acceptance Corp., which is an installment lender, have been publicly disclosed. The Bureau is currently reconsidering its approach to publication"}]}