{"description":"Documents matching 'compliance credit underwriting policies allow'","count":2190,"total_pages":50,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=compliance+credit+underwriting+policies+allow&format=json&page=2","results":[{"title":"Equal Credit Opportunity Act (Regulation B)","type":"Rule","abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) is issuing a final rule that amends provisions related to disparate impact, discouragement of applicants or prospective applicants, and special purpose credit programs under Regulation B, the regulation implementing the Equal Credit Opportunity Act (ECOA or Act). The amendments facilitate compliance with ECOA by clarifying the obligations imposed by the statute.","document_number":"2026-07804","html_url":"https://www.federalregister.gov/documents/2026/04/22/2026-07804/equal-credit-opportunity-act-regulation-b","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-22/pdf/2026-07804.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-07804.pdf?1776775512","publication_date":"2026-04-22","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":"not violate ECOA by refusing to extend <span class=\"match\">credit</span> pursuant to certain kinds of <span class=\"match\">credit</span> programs. For instance, section 701(c)(1) provides that “[i]t is not a violation of [section 701] for a creditor to refuse to extend <span class=\"match\">credit</span> offered pursuant to” “any <span class=\"match\">credit</span> assistance program expressly authorized by law for an economically disadvantaged class of persons.” \n 90 \n \n Section 701(c)(2) provides that “[i]t is not a violation of [section 701] for a creditor to refuse to extend <span class=\"match\">credit</span> offered pursuant to” “any <span class=\"match\">credit</span> assistance program administered by a nonprofit"},{"title":"Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)","type":"Rule","abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) is revising certain provisions of Regulation B, subpart B, which implements changes to the Equal Credit Opportunity Act made by section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. The Bureau is amending coverage of certain credit transactions and financial institutions; the small business definition; inclusion of certain data points and how others are collected; and the compliance date. The Bureau believes these changes will streamline the rule, reduce complexity for lenders, improve data quality, and advance the purposes of section 1071.","document_number":"2026-08494","html_url":"https://www.federalregister.gov/documents/2026/05/01/2026-08494/small-business-lending-under-the-equal-credit-opportunity-act-regulation-b","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-01/pdf/2026-08494.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-08494.pdf?1777564810","publication_date":"2026-05-01","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":"broadly defined a “covered <span class=\"match\">credit</span> transaction” as an extension of business <span class=\"match\">credit</span> that is not specifically excluded. While the rule enumerated certain exclusions—such as trade <span class=\"match\">credit</span>, HMDA-reportable transactions, insurance premium financing, public utilities <span class=\"match\">credit</span>, securities <span class=\"match\">credit</span>, and incidental <span class=\"match\">credit</span>—\n \n it aimed for broad coverage to prevent evasion and ensure a complete data set. Consequently, the 2023 final rule encompassed a wide range of <span class=\"match\">credit</span> products, including merchant cash advances and agricultural <span class=\"match\">credit</span>.\n \n In the 2025 proposed"},{"title":"Equal Credit Opportunity Act (Regulation B)","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) is issuing a proposed rule for public comment that amends provisions related to disparate impact, discouragement of applicants or prospective applicants, and special purpose credit programs under Regulation B, the regulation implementing the Equal Credit Opportunity Act (ECOA or Act). The amendments would facilitate compliance with ECOA by clarifying the obligations imposed by the statute.","document_number":"2025-19864","html_url":"https://www.federalregister.gov/documents/2025/11/13/2025-19864/equal-credit-opportunity-act-regulation-b","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-11-13/pdf/2025-19864.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19864.pdf?1762955111","publication_date":"2025-11-13","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":"some organizations sought to fill the gap by making <span class=\"match\">credit</span> available especially to individuals who had been otherwise excluded from the <span class=\"match\">credit</span> marketplace.\n 67 \n \n Through ECOA's provision for SPCPs (15 U.S.C. 1691(c)), Congress sought to enable these programs that served then-extant special social needs to continue.\n 68 \n \n To accomplish this objective, at the same time that Congress broadly prohibited <span class=\"match\">credit</span> discrimination, Congress added provisions <span class=\"match\">allowing</span> the continued operation of <span class=\"match\">credit</span> assistance programs “expressly authorized by law for"},{"title":"Policy Statement on Compliance Assistance Sandbox Approvals","type":"Notice","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing this policy statement on Compliance Assistance Sandbox (Policy), which is intended to further objectives under Section 1021 of the Consumer Financial Protection Act.","document_number":"2025-00377","html_url":"https://www.federalregister.gov/documents/2025/01/10/2025-00377/policy-statement-on-compliance-assistance-sandbox-approvals","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-10/pdf/2025-00377.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-00377.pdf?1736343937","publication_date":"2025-01-10","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":"noted above, the CFPB experienced a number of potential abuses and challenges with the CAS <span class=\"match\">policy</span>, and with the NAL <span class=\"match\">policy</span> that is being reissued simultaneously with this <span class=\"match\">policy</span>, that led to the decision to <span class=\"match\">allow</span> the prior <span class=\"match\">policies</span> to expire. For example, the CFPB granted Upstart Network a NAL in 2017,\n 4 \n \n committing to not enforce the Equal <span class=\"match\">Credit</span> Opportunity Act (ECOA) against the company for their use of “artificial intelligence” in <span class=\"match\">credit</span> <span class=\"match\">underwriting</span> on behalf of bank partners. Despite the fact that other companies had similar models, Upstart"},{"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":"national <span class=\"match\">credit</span> reporting system.” \n 46 \n \n As Representative Kanjorski noted, the 1996 amendments had “created a nationwide consumer <span class=\"match\">credit</span> system that works increasingly well,” by “expand[ing] access to <span class=\"match\">credit</span>, lower[ing] the price of <span class=\"match\">credit</span>, and accelerat[ing] decisions to grant <span class=\"match\">credit</span>.” \n 47 \n \n The key to this nationwide <span class=\"match\">credit</span> system was “the establishment of the uniform system that preempts States from enacting miscellaneous and potentially conflicting requirements regarding <span class=\"match\">credit</span> reporting.” \n 48 \n \n The “`miracle of instant <span class=\"match\">credit</span>' created"},{"title":"Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) proposes revisions to certain provisions of Regulation B, subpart B, implementing changes to the Equal Credit Opportunity Act made by section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. The Bureau is reconsidering coverage of certain credit transactions and financial institutions; the small business definition; inclusion of certain data points and how others are collected; and the compliance date. The CFPB believes these proposed changes would streamline the rule, reduce complexity for lenders, and improve data quality, advancing the purposes of section 1071 and complying with recent executive directives.","document_number":"2025-19865","html_url":"https://www.federalregister.gov/documents/2025/11/13/2025-19865/small-business-lending-under-the-equal-credit-opportunity-act-regulation-b","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-11-13/pdf/2025-19865.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19865.pdf?1762955111","publication_date":"2025-11-13","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":"small business <span class=\"match\">credit</span> applications if they originated at least 100 covered <span class=\"match\">credit</span> transactions in each of the two preceding calendar years. Loans, lines of <span class=\"match\">credit</span>, <span class=\"match\">credit</span> cards, and merchant cash advances (including such <span class=\"match\">credit</span> transactions for agricultural purposes) all fall within the transactional scope of the 2023 final rule, with no limitations on loan amount. The Bureau excluded trade <span class=\"match\">credit</span>, transactions that are reportable under HMDA, insurance premium financing, public utilities <span class=\"match\">credit</span>, securities <span class=\"match\">credit</span>, and incidental <span class=\"match\">credit</span>. Factoring,"},{"title":"Request for Information Regarding Promoting Access to Mortgage Credit","type":"Proposed Rule","abstract":"This notice requests information from the public about potential regulatory changes that may reduce regulatory burdens and promote access to mortgage credit, as appropriate and consistent with applicable law. The Consumer Financial Protection Bureau (Bureau or CFPB) seeks to reduce unwarranted regulatory burdens to ensure that creditworthy borrowers can access mortgage credit. Specifically, the CFPB is requesting information on industry and consumer burdens related to the integrated mortgage disclosures under the Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA) (TILA-RESPA integrated disclosures or TRID), the right of rescission, and reverse mortgage disclosures.","document_number":"2026-13834","html_url":"https://www.federalregister.gov/documents/2026/07/09/2026-13834/request-for-information-regarding-promoting-access-to-mortgage-credit","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-07-09/pdf/2026-13834.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-13834.pdf?1783514709","publication_date":"2026-07-09","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":"Order 14393—Promoting Access to Mortgage <span class=\"match\">Credit</span> \n \n On March 13, 2026, the President issued Executive Order (E.O.) 14393, entitled “Promoting Access to Mortgage <span class=\"match\">Credit</span>.” \n 1 \n \n E.O. 14393 provides, in part, that statutory and regulatory changes “have increased the <span class=\"match\">compliance</span> costs of mortgage origination” and “contributed to a significant decline in [community] bank participation in mortgage lending.” \n 2 \n \n E.O. 14393 states that the regulatory and rule changes have “resulted in reduced access to <span class=\"match\">credit</span> for some creditworthy borrowers.” \n 3 \n"},{"title":"Single Family Housing Guaranteed Loan Program","type":"Rule","abstract":"The Rural Housing Service (RHS or Agency), a Rural Development (RD) Agency within the United States Department of Agriculture (USDA), is amending its regulations to grant Delegated Lenders participating in the Single-Family Housing Guaranteed Loan Program (SFHGLP) the authority to make loans and obtain Loan Note Guarantees after closing using automated loan underwriting and closing systems.","document_number":"2026-05387","html_url":"https://www.federalregister.gov/documents/2026/03/19/2026-05387/single-family-housing-guaranteed-loan-program","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-03-19/pdf/2026-05387.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-05387.pdf?1773837915","publication_date":"2026-03-19","agencies":[{"raw_name":"DEPARTMENT OF AGRICULTURE","name":"Agriculture Department","id":12,"url":"https://www.federalregister.gov/agencies/agriculture-department","json_url":"https://www.federalregister.gov/api/v1/agencies/12","parent_id":null,"slug":"agriculture-department"},{"raw_name":"Rural Housing Service","name":"Rural Housing Service","id":458,"url":"https://www.federalregister.gov/agencies/rural-housing-service","json_url":"https://www.federalregister.gov/api/v1/agencies/458","parent_id":12,"slug":"rural-housing-service"}],"excerpts":"their agents are required by 7 CFR part 3555, Section 3555.51(b) to <span class=\"match\">underwrite</span> loans according to RD regulations, which includes reviewing loan applications for accuracy and completeness; ensuring the applicable income limits are not exceeded; ensuring adequate repayment ability and <span class=\"match\">credit</span> history; and ensuring the loan complies with limitations on \n \n loan purposes, loan limitations, interest rates, and loan terms. Thus, the approved lender is responsible for ensuring <span class=\"match\">compliance</span> with 7 CFR part 3555 whether they utilize delegated authority or continue"},{"title":"Promoting Access to Mortgage Credit","type":"Presidential Document","abstract":null,"document_number":"2026-05384","html_url":"https://www.federalregister.gov/documents/2026/03/18/2026-05384/promoting-access-to-mortgage-credit","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-03-18/pdf/2026-05384.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-05384.pdf?1773760510","publication_date":"2026-03-18","agencies":[{"raw_name":"EXECUTIVE OFFICE OF THE PRESIDENT","name":"Executive Office of the President","id":538,"url":"https://www.federalregister.gov/agencies/executive-office-of-the-president","json_url":"https://www.federalregister.gov/api/v1/agencies/538","parent_id":null,"slug":"executive-office-of-the-president"}],"excerpts":"undermined community banks' businesses, concentrated <span class=\"match\">credit</span> and liquidity risk outside the banking system, and resulted in reduced access to <span class=\"match\">credit</span> for some creditworthy borrowers, including rural households and low- and moderate-income households. My Administration will reduce these regulatory burdens to ensure that these creditworthy borrowers can access the capital required to purchase a home.\n \n It is the <span class=\"match\">policy</span> of the United States to improve the availability and affordability of mortgage <span class=\"match\">credit</span>; tailor rules for community banks and “smaller banks”"},{"title":"Policy Statement on No-Action Letters","type":"Notice","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing this policy statement on No-Action Letters (Policy), which is intended to further objectives under section 1021 of the Consumer Financial Protection Act.","document_number":"2025-00378","html_url":"https://www.federalregister.gov/documents/2025/01/10/2025-00378/policy-statement-on-no-action-letters","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-10/pdf/2025-00378.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-00378.pdf?1736343937","publication_date":"2025-01-10","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":" 5512(b)(1).\n \n \n The primary purposes of the <span class=\"match\">Policy</span> are to provide a mechanism through which the CFPB may more effectively carry out its statutory purpose and objectives and to facilitate <span class=\"match\">compliance</span> with applicable Federal consumer financial laws. \n The <span class=\"match\">Policy</span> is not intended to, nor should it be construed to: \n a. restrict or limit in any way the CFPB's discretion in exercising its authorities, including the provision of no-action or similar <span class=\"match\">compliance</span> assistance other than pursuant to the <span class=\"match\">Policy</span>; \n b. constitute an interpretation of law; or "},{"title":"Overdraft Lending: Very Large Financial Institutions","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) amends Regulations E and Z to update regulatory exceptions for overdraft credit provided by very large financial institutions, thereby ensuring that these extensions of overdraft credit adhere to consumer protections required of similarly situated products, unless the overdraft fee is a small amount that only recovers estimated costs and losses. The rule allows consumers to better comparison shop across credit products and provides substantive protections that apply to other consumer credit.","document_number":"2024-29699","html_url":"https://www.federalregister.gov/documents/2024/12/30/2024-29699/overdraft-lending-very-large-financial-institutions","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-30/pdf/2024-29699.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-29699.pdf?1735307118","publication_date":"2024-12-30","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":"about overdraft <span class=\"match\">credit</span> has become a much more serious concern.\n \n Key Changes \n Given these changes over the past 30 years and consistent with TILA's purpose of promoting the informed use of <span class=\"match\">credit</span>, the CFPB is updating several non-statutory exceptions in Regulation Z to extend consumer <span class=\"match\">credit</span> protections that generally apply to other forms of consumer <span class=\"match\">credit</span> to certain overdraft <span class=\"match\">credit</span> provided by very large financial institutions. These changes will <span class=\"match\">allow</span> consumers to better compare certain overdraft <span class=\"match\">credit</span> to other types of <span class=\"match\">credit</span> and will provide"},{"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":"such as general purpose <span class=\"match\">credit</span> cards, medical <span class=\"match\">credit</span> cards, medical installment loans, loans owed to friends and family, and loans owed to third-party lenders, within the scope of the rulemaking. While some commenters urged the CFPB to include all types of third-party loan products, many commenters specifically emphasized that medical debt incurred through medical <span class=\"match\">credit</span> cards and general purpose <span class=\"match\">credit</span> cards should be included. Others requested that the CFPB include medical <span class=\"match\">credit</span> cards without mention of general purpose <span class=\"match\">credit</span> cards. Some commenters"},{"title":"Single Family Housing Guaranteed Loan Program","type":"Proposed Rule","abstract":"The Rural Housing Service (RHS or Agency), a Rural Development agency of the United States Department of Agriculture (USDA), proposes to amend the current Single Family Housing Guaranteed Loan Program (SFHGLP) regulation to change the requirements for the length of time a prior Agency loss is considered significant derogatory credit and address seasoning requirements and payment performance for refinance transactions. This proposed rule intends to establish a seven-year time frame for the applicant to re-establish credit after a prior loss claim with the Agency before that loss would no longer be considered significant derogatory credit. This proposed rule also intends to clarify the seasoning requirements and expected payment history requirements for all three refinance submission types within the SFHGLP and identify when applicants are eligible to refinance their current mortgage.","document_number":"2024-21404","html_url":"https://www.federalregister.gov/documents/2024/09/19/2024-21404/single-family-housing-guaranteed-loan-program","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-09-19/pdf/2024-21404.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-21404.pdf?1726663549","publication_date":"2024-09-19","agencies":[{"raw_name":"DEPARTMENT OF AGRICULTURE","name":"Agriculture Department","id":12,"url":"https://www.federalregister.gov/agencies/agriculture-department","json_url":"https://www.federalregister.gov/api/v1/agencies/12","parent_id":null,"slug":"agriculture-department"},{"raw_name":"Rural Housing Service","name":"Rural Housing Service","id":458,"url":"https://www.federalregister.gov/agencies/rural-housing-service","json_url":"https://www.federalregister.gov/api/v1/agencies/458","parent_id":12,"slug":"rural-housing-service"}],"excerpts":"assets and reserves available in the applicants' <span class=\"match\">underwriting</span> analysis. \n The last item the Agency considered in determining the seven-year period was <span class=\"match\">credit</span>. A time frame had to be established that <span class=\"match\">allowed</span> the applicant time to repair their <span class=\"match\">credit</span>. In a seven-year time frame the applicant would have time to repair or rebuild their <span class=\"match\">credit</span> score, pay down or pay off debts, and improve their overall <span class=\"match\">credit</span> situation, and <span class=\"match\">credit</span> reporting companies would no longer report many indicators of derogatory <span class=\"match\">credit</span> seven years after their occurrence. By having"},{"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":"indirectly assess the <span class=\"match\">credit</span> risk of individual workers, including through obtaining and reviewing <span class=\"match\">credit</span> reports or <span class=\"match\">credit</span> scores about the individual workers. \n b. Analysis \n \n Section 1026.2(a)(14) of Regulation Z defines “<span class=\"match\">credit</span>” as “the right to defer payment of debt or to incur debt and defer its payment.” \n 32 \n \n Neither Regulation Z nor TILA define the term “debt.” Covered EWA does not provide workers with the right to defer payment of debt or to incur debt and defer its payment. As a result, Covered EWA is not <span class=\"match\">credit</span>.\n \n \n \n 32 \n  12 CFR"},{"title":"Data Collection Available for Public Comments","type":"Notice","abstract":"The Small Business Administration (SBA) intends to request approval, from the Office of Management and Budget (OMB) for the collection of information described below. The Paperwork Reduction Act (PRA) requires Federal agencies to publish a notice in the Federal Register concerning each proposed collection of information before submission to OMB, and to allow 60 days for public comment in response to the notice. This notice complies with that requirement.","document_number":"2025-10647","html_url":"https://www.federalregister.gov/documents/2025/06/13/2025-10647/data-collection-available-for-public-comments","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-06-13/pdf/2025-10647.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-10647.pdf?1749732310","publication_date":"2025-06-13","agencies":[{"raw_name":"SMALL BUSINESS ADMINISTRATION","name":"Small Business Administration","id":468,"url":"https://www.federalregister.gov/agencies/small-business-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/468","parent_id":null,"slug":"small-business-administration"}],"excerpts":"SBA may request the Lender's or CDC's <span class=\"match\">credit</span> <span class=\"match\">policies</span> and procedures; servicing <span class=\"match\">policies</span> and procedures; loan sample files; independent loan reviews; <span class=\"match\">underwriting</span>, loan <span class=\"match\">credit</span> scoring, risk rating methodologies; and information on loans approved as exceptions to <span class=\"match\">policy</span>.\n \n \n <span class=\"match\">Compliance</span> with Loan Program Requirements: \n Here, SBA generally collects information on services and fees charged for Lenders' third-party vendors,\n 1 \n \n Lender's FTA \n 2 \n \n trust account, and Lender's use of the System for Awards Management to perform agent due diligence"},{"title":"Reporting and Recordkeeping Requirements Under OMB Review","type":"Notice","abstract":"The Small Business Administration (SBA) is seeking approval from the Office of Management and Budget (OMB) for the information collection described below. In accordance with the Paperwork Reduction Act and OMB procedures, SBA is publishing this notice to allow all interested members of the public an additional 30 days to provide comments on the proposed collection of information.","document_number":"2025-16766","html_url":"https://www.federalregister.gov/documents/2025/09/02/2025-16766/reporting-and-recordkeeping-requirements-under-omb-review","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-09-02/pdf/2025-16766.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-16766.pdf?1756471527","publication_date":"2025-09-02","agencies":[{"raw_name":"SMALL BUSINESS ADMINISTRATION","name":"Small Business Administration","id":468,"url":"https://www.federalregister.gov/agencies/small-business-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/468","parent_id":null,"slug":"small-business-administration"}],"excerpts":"program audits, evidence of Lender <span class=\"match\">compliance</span> with regulatory orders and agreements (if applicable and as appropriate), and staff training on SBA lending.\n \n \n 2. \n Eligibility and <span class=\"match\">Credit</span> Administration: \n In reviewing these areas, SBA may request the Lender's or CDC's <span class=\"match\">credit</span> <span class=\"match\">policies</span> and procedures; servicing <span class=\"match\">policies</span> and procedures; loan sample files; independent loan reviews; <span class=\"match\">underwriting</span>, loan <span class=\"match\">credit</span> scoring, risk rating methodologies; and information on loans approved as exceptions to <span class=\"match\">policy</span>.\n \n \n 3. \n <span class=\"match\">Compliance</span> with Loan Program Requirements:"},{"title":"Statement on Regulatory Burden","type":"Rule","abstract":"This document is part of the Farm Credit Administration's (FCA, our, or we) initiative to reduce regulatory burden for Farm Credit System (FCS or System) institutions, including the Federal Agricultural Mortgage Corporation (Farmer Mac). Several System institutions responded to our 2022 request for comments by identifying regulations they considered unnecessary, unduly burdensome or costly, duplicative of other requirements, outmoded, insufficient, ineffective, or not based on law, and this document responds to those comments.","document_number":"2025-03172","html_url":"https://www.federalregister.gov/documents/2025/03/03/2025-03172/statement-on-regulatory-burden","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-03-03/pdf/2025-03172.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-03172.pdf?1740750307","publication_date":"2025-03-03","agencies":[{"raw_name":"FARM CREDIT ADMINISTRATION","name":"Farm Credit Administration","id":154,"url":"https://www.federalregister.gov/agencies/farm-credit-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/154","parent_id":null,"slug":"farm-credit-administration"}],"excerpts":"Alabama, ACA; ArborOne, ACA; Central Texas, ACA; CoBank, ACB; Colonial, ACA; Farm <span class=\"match\">Credit</span> East, ACA; Farm <span class=\"match\">Credit</span> Illinois, ACA; Florida, ACA; Farm <span class=\"match\">Credit</span> Bank of Texas; the Farm <span class=\"match\">Credit</span> Council; Farm <span class=\"match\">Credit</span> Mid-America, ACA; First South, ACA; Farm <span class=\"match\">Credit</span> Foundations; the Federal Farm <span class=\"match\">Credit</span> Banks Funding Corporation; High Plains, ACA; Idaho, ACA; Louisiana Land Bank, ACA; Plains Land Bank, FLCA; Premier, ACA; Texas Farm <span class=\"match\">Credit</span>, ACA; and Western AgCredit, ACA. The Farm <span class=\"match\">Credit</span> Council stated that in preparing its response letter on behalf of all FCS institutions"},{"title":"Self-Regulatory Organizations; Cboe BZX Exchange, Inc.; Notice of Filing of a Proposed Rule Change To List and Trade Shares of the BondBloxx Private Credit Trust Under BZX Rule 14.11(f), Trust Issued Receipts","type":"Notice","abstract":null,"document_number":"2026-07820","html_url":"https://www.federalregister.gov/documents/2026/04/22/2026-07820/self-regulatory-organizations-cboe-bzx-exchange-inc-notice-of-filing-of-a-proposed-rule-change-to","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-22/pdf/2026-07820.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-07820.pdf?1776775514","publication_date":"2026-04-22","agencies":[{"raw_name":"SECURITIES AND EXCHANGE COMMISSION","name":"Securities and Exchange Commission","id":466,"url":"https://www.federalregister.gov/agencies/securities-and-exchange-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/466","parent_id":null,"slug":"securities-and-exchange-commission"}],"excerpts":"platform <span class=\"match\">underwriting</span> standards, portfolio diversification, short duration and amortization profiles, and a disciplined asset selection process.\n \n \n 3. In the event that the cash and cash equivalents required to accommodate a series of redemptions or a single large redemption approaches the size of the Trust's Liquidity Sleeve, the Trust may: \n a. Sell Private <span class=\"match\">Credit</span> Assets in the secondary market to raise cash; \n b. Arrange a line of <span class=\"match\">credit</span> or other financing facility with a bank or broker dealer, using the portfolio of Private <span class=\"match\">Credit</span> Assets as"},{"title":"Privacy Act of 1974; System of Records","type":"Notice","abstract":"Pursuant to the Privacy Act of 1974, notice is hereby given that VA is modifying the system of records entitled, \"Loan Guaranty Home, Condominium and Manufactured Home Loan Applicants Records, Specially Adapted Housing Applicant Records, and Vendee Loan Applicant Records-- VA\" (55VA26). This system is used to identify potential liability to the Federal Government for exposure to loans guaranteed by VA; to maintain data to accurately provide information pursuant to annual congressional reporting obligations; to conduct oversight over the loan process and review loans issued by lenders for compliance to credit underwriting policies; and to allow for the review of eligibility and entitlements for Veteran applicants as well as compliance to policies by the program participants (which would include lenders, servicers, appraisers, builders, staff appraiser reviewer (SARs), underwriters, compliance inspectors, and other requesters. VA is republishing the system notice in its entirety.","document_number":"2023-20055","html_url":"https://www.federalregister.gov/documents/2023/09/15/2023-20055/privacy-act-of-1974-system-of-records","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-09-15/pdf/2023-20055.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-20055.pdf?1694695661","publication_date":"2023-09-15","agencies":[{"raw_name":"DEPARTMENT OF VETERANS AFFAIRS","name":"Veterans Affairs Department","id":520,"url":"https://www.federalregister.gov/agencies/veterans-affairs-department","json_url":"https://www.federalregister.gov/api/v1/agencies/520","parent_id":null,"slug":"veterans-affairs-department"}],"excerpts":"annual congressional reporting obligations; to conduct oversight over the loan process and review loans issued by lenders for <span class=\"match\">compliance</span> to <span class=\"match\">credit</span> <span class=\"match\">underwriting</span> <span class=\"match\">policies</span>; and to <span class=\"match\">allow</span> for the review of eligibility and entitlements for Veteran applicants as well as <span class=\"match\">compliance</span> to <span class=\"match\">policies</span> by the program participants (which would include lenders, servicers, appraisers, builders, staff appraiser reviewer (SARs), underwriters, <span class=\"match\">compliance</span> inspectors, and other requesters. VA is republishing the system notice in its entirety.\n \n \n \n DATES: \n \n Comments on this"},{"title":"Single Family Housing Guaranteed Loan Program-Income Producing Accessory Dwelling Unit (ADU) Provisions","type":"Proposed Rule","abstract":"The Rural Housing Service (RHS or the Agency), an agency of the Rural Development mission area within the United States Department of Agriculture (USDA), is issuing a proposed rule to amend the current Single Family Housing Guaranteed Loan Program (SFHGLP) regulation. These proposed changes are intended to allow the Agency to finance a single family home with a single or multiple income producing Accessory Dwelling Units (ADU). Additionally, we propose to clarify that borrowers can finance properties with features designed to accommodate home-based operations with non-commercial real estate features. The plain language summary of the proposal is available on Regulations.gov in the docket for rulemaking.","document_number":"2026-06173","html_url":"https://www.federalregister.gov/documents/2026/03/31/2026-06173/single-family-housing-guaranteed-loan-program-income-producing-accessory-dwelling-unit-adu","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-03-31/pdf/2026-06173.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-06173.pdf?1774874714","publication_date":"2026-03-31","agencies":[{"raw_name":"DEPARTMENT OF AGRICULTURE","name":"Agriculture Department","id":12,"url":"https://www.federalregister.gov/agencies/agriculture-department","json_url":"https://www.federalregister.gov/api/v1/agencies/12","parent_id":null,"slug":"agriculture-department"},{"raw_name":"Rural Housing Service","name":"Rural Housing Service","id":458,"url":"https://www.federalregister.gov/agencies/rural-housing-service","json_url":"https://www.federalregister.gov/api/v1/agencies/458","parent_id":12,"slug":"rural-housing-service"}],"excerpts":"which would clarify the understanding of these terms.\n \n (2) Update section 7 CFR 3555.102(b) to <span class=\"match\">allow</span> the Agency to issue a guarantee if loan funds are used for a single or multiple income producing ADUs. \n (3) Update section 7 CFR 3555.102(c) to <span class=\"match\">allow</span> the Agency to issue a guarantee if loan funds are used to finance a property which accommodates a home-based operation. \n (4) Update section 7 CFR 3555.201(b)(2) to clarify that borrowers are <span class=\"match\">allowed</span> to finance sites that include an income producing ADU. \n VI. Executive Orders and Statutory Regulatory"}]}