{"description":"Documents matching 'compliance ecoa clarifying obligations imposed'","count":139,"total_pages":7,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=compliance+ecoa+clarifying+obligations+imposed&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":"Act (<span class=\"match\">ECOA</span> or Act). The amendments facilitate <span class=\"match\">compliance</span> with <span class=\"match\">ECOA</span> by <span class=\"match\">clarifying</span> the <span class=\"match\">obligations</span> <span class=\"match\">imposed</span> by the statute. \n \n \n DATES: \n This final rule is effective July 21, 2026. \n \n \n FOR FURTHER INFORMATION CONTACT: \n \n Dave Gettler, Paralegal Specialist, Office of Regulations, at 202-435-7700 or \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. Summary \n Pursuant to its authority under <span class=\"match\">ECOA</span>, 15"},{"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":"applicable under <span class=\"match\">ECOA</span>. \n <span class=\"match\">ECOA</span> and Disparate Impact \n The Bureau has preliminarily determined that Regulation B's conclusion that disparate-impact claims may be cognizable under <span class=\"match\">ECOA</span> is not the best interpretation of <span class=\"match\">ECOA</span>. In particular, the Bureau has preliminarily determined that the Board (and later the Bureau) relied solely on the legislative history of <span class=\"match\">ECOA</span> to support its conclusion and failed to consider whether <span class=\"match\">ECOA's</span> statutory language authorized disparate-impact liability. The Bureau has preliminarily determined that <span class=\"match\">ECOA's</span> statutory language"},{"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":"difficulties commencing <span class=\"match\">compliance</span> with the rule mid-year, which is resolved by setting a single <span class=\"match\">compliance</span> date on January 1.\n \n \n Finally, the Bureau determines that its new single <span class=\"match\">compliance</span> date resolves lingering concerns arising from previous <span class=\"match\">compliance</span> date extensions. As the Bureau explained in its 2025 <span class=\"match\">compliance</span> date interim final rule and 2025 <span class=\"match\">compliance</span> date final rule, those rules were necessary to avoid a situation in which only a subset of covered financial institutions were obligated to come into <span class=\"match\">compliance</span> with the 2023 final rule"},{"title":"Fair Lending, Fair Housing, and Equitable Housing Finance Plans","type":"Rule","abstract":"The Federal Housing Finance Agency (\"FHFA\" or the \"Agency\") is issuing this final rule to repeal the Fair Lending, Fair Housing, and Equitable Housing Finance Plans regulation (\"part 1293\"). After considering public comments received in response to the proposed rule FHFA published on July 28, 2025, this final rule adopts the proposed rule without change.","document_number":"2026-02325","html_url":"https://www.federalregister.gov/documents/2026/02/06/2026-02325/fair-lending-fair-housing-and-equitable-housing-finance-plans","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-02-06/pdf/2026-02325.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-02325.pdf?1770299111","publication_date":"2026-02-06","agencies":[{"raw_name":"FEDERAL HOUSING FINANCE AGENCY","name":"Federal Housing Finance Agency","id":174,"url":"https://www.federalregister.gov/agencies/federal-housing-finance-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/174","parent_id":null,"slug":"federal-housing-finance-agency"}],"excerpts":"fair housing and fair lending laws and with federal prohibitions against unfair or deceptive acts or practices; <span class=\"match\">imposes</span> on the board of directors of each regulated entity a duty to direct operations in conformity with such requirements and prohibitions by appropriately considering <span class=\"match\">compliance</span> with such requirements and prohibitions; reserves FHFA's right to require reports from each regulated entity; and <span class=\"match\">imposes</span> a certification <span class=\"match\">obligation</span> on the reporting regulated entity. Subpart C requires each Enterprise to adopt a triennial EHFP; addresses the"},{"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":"collection to provide guidance rather than additional <span class=\"match\">obligations</span>. \n The Bureau seeks comment on these proposed changes. \n F. Section 1002.114—Effective Date, <span class=\"match\">Compliance</span> Date, and Special Transitional Rules \n 114(b) <span class=\"match\">Compliance</span> Date \n The rule's <span class=\"match\">compliance</span> dates, as most recently amended by the 2025 <span class=\"match\">compliance</span> dates final rule, are set forth in current § 1002.114(b). That section looks to a financial institution's volume of covered credit transactions for small businesses to determine which of three <span class=\"match\">compliance</span> dates (currently July 1, 2026, January 1, 2027"},{"title":"Fair Lending, Fair Housing, and Equitable Housing Finance Plans","type":"Proposed Rule","abstract":"The Federal Housing Finance Agency (\"FHFA\" or the \"Agency\") is requesting comment on the notice of proposed rulemaking repealing the Fair Lending, Fair Housing, and Equitable Housing Finance Plans regulation.","document_number":"2025-14183","html_url":"https://www.federalregister.gov/documents/2025/07/28/2025-14183/fair-lending-fair-housing-and-equitable-housing-finance-plans","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-07-28/pdf/2025-14183.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-14183.pdf?1753447518","publication_date":"2025-07-28","agencies":[{"raw_name":"FEDERAL HOUSING FINANCE AGENCY","name":"Federal Housing Finance Agency","id":174,"url":"https://www.federalregister.gov/agencies/federal-housing-finance-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/174","parent_id":null,"slug":"federal-housing-finance-agency"}],"excerpts":"authority over <span class=\"match\">ECOA</span>. \n See, e.g., \n 15 U.S.C. 1691b (2009). Following the Dodd-Frank Act, interpretive and rulemaking authority transferred to the CFPB. \n See \n Public Law 111-203, sec. 1085(1) (July 21, 2010) (amending <span class=\"match\">ECOA</span> to replace “Board” with “Bureau”); 15 U.S.C. 1691b(a) (“The Bureau shall prescribe regulations to carry out the purposes of this subchapter . . .”). <span class=\"match\">ECOA</span> also authorizes CFPB to take regulatory action to create classifications, adjustments, or exceptions for transactions necessary to effectuate the purpose of <span class=\"match\">ECOA</span>. 15 U.S.C. 1691b(a)"},{"title":"Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) is amending Regulation B to implement changes to the Equal Credit Opportunity Act (ECOA) made by section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act). Consistent with section 1071, covered financial institutions are required to collect and report to the CFPB data on applications for credit for small businesses, including those that are owned by women or minorities. The final rule also addresses the CFPB's approach to privacy interests and the publication of data; shielding certain demographic data from underwriters and other persons; recordkeeping requirements; enforcement provisions; and the rule's effective and compliance dates.","document_number":"2023-07230","html_url":"https://www.federalregister.gov/documents/2023/05/31/2023-07230/small-business-lending-under-the-equal-credit-opportunity-act-regulation-b","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-05-31/pdf/2023-07230.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-07230.pdf?1685450721","publication_date":"2023-05-31","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":"assist institutions in diagnosing <span class=\"match\">compliance</span> weaknesses, to the extent that these institutions engaged in good faith <span class=\"match\">compliance</span> efforts.\n \n \n Effective and <span class=\"match\">compliance</span> dates, transitional provisions. \n This final rule will become effective 90 days after publication in the \n Federal Register \n . The CFPB is adopting a tiered <span class=\"match\">compliance</span> date schedule because it believes that smaller and mid-sized lenders would have particular difficulties complying within the single 18-month <span class=\"match\">compliance</span> period proposed in the NPRM. <span class=\"match\">Compliance</span> with the rule beginning October"},{"title":"Interagency Guidance on Reconsiderations of Value of Residential Real Estate Valuations","type":"Rule","abstract":"The Board, CFPB, FDIC, NCUA, and OCC (together, the agencies) are issuing final guidance that highlights risks associated with deficient residential real estate valuations and describes how financial institutions may incorporate reconsiderations of value (ROV) processes and controls into established risk management functions. The final guidance also provides examples of policies and procedures that a financial institution may choose to implement to help identify, address, and mitigate the risk of discrimination impacting residential real estate valuations.","document_number":"2024-16200","html_url":"https://www.federalregister.gov/documents/2024/07/26/2024-16200/interagency-guidance-on-reconsiderations-of-value-of-residential-real-estate-valuations","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-07-26/pdf/2024-16200.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-16200.pdf?1721911513","publication_date":"2024-07-26","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"},{"raw_name":"NATIONAL CREDIT UNION ADMINISTRATION","name":"National Credit Union Administration","id":335,"url":"https://www.federalregister.gov/agencies/national-credit-union-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/335","parent_id":null,"slug":"national-credit-union-administration"},{"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":"address, and mitigate the risk of discrimination impacting residential real estate valuations. \n \n \n DATES: \n The guidance is final as of July 26, 2024. \n \n \n FOR FURTHER INFORMATION CONTACT: \n \n \n OCC: \n Siddarth Rao, Fair Lending <span class=\"match\">Compliance</span> Policy Specialist, (732) 635-2070; Olutoyin Falade, Fair Lending <span class=\"match\">Compliance</span> Policy Specialist, (972) 277-9551; James B. Rives, Retail Credit Risk Specialist, (202) 649-6594; Joanne Phillips, Counsel, or Marta Stewart-Bates, Counsel, Chief Counsel's Office, (202) 649-5490; Office of the Comptroller of the Currency"},{"title":"Quality Control Standards for Automated Valuation Models","type":"Rule","abstract":"The OCC, Board, FDIC, NCUA, CFPB, and FHFA (collectively, the agencies) are adopting a final rule to implement the quality control standards mandated by the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) for the use of automated valuation models (AVMs) by mortgage originators and secondary market issuers in determining the collateral worth of a mortgage secured by a consumer's principal dwelling. Under the final rule, institutions that engage in certain credit decisions or securitization determinations must adopt policies, practices, procedures, and control systems to ensure that AVMs used in these transactions to determine the value of mortgage collateral adhere to quality control standards designed to ensure a high level of confidence in the estimates produced by AVMs; protect against the manipulation of data; seek to avoid conflicts of interest; require random sample testing and reviews; and comply with applicable nondiscrimination laws.","document_number":"2024-16197","html_url":"https://www.federalregister.gov/documents/2024/08/07/2024-16197/quality-control-standards-for-automated-valuation-models","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-08-07/pdf/2024-16197.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-16197.pdf?1722948312","publication_date":"2024-08-07","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"},{"raw_name":"NATIONAL CREDIT UNION ADMINISTRATION","name":"National Credit Union Administration","id":335,"url":"https://www.federalregister.gov/agencies/national-credit-union-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/335","parent_id":null,"slug":"national-credit-union-administration"},{"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"},{"raw_name":"FEDERAL HOUSING FINANCE AGENCY","name":"Federal Housing Finance Agency","id":174,"url":"https://www.federalregister.gov/agencies/federal-housing-finance-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/174","parent_id":null,"slug":"federal-housing-finance-agency"}],"excerpts":"developers and vendors to assist them with their <span class=\"match\">compliance</span> <span class=\"match\">obligations</span> under the rule, as they do with other third-party vendors in order to comply with relevant regulatory requirements. The agencies recognize that one or more SSOs and third-party AVM testing entities could be beneficial to effective <span class=\"match\">compliance</span> with the AVM rule. As long as financial institutions meet the <span class=\"match\">obligations</span> provided in the final rule, they are free to work with third parties to assist them with their <span class=\"match\">compliance</span> <span class=\"match\">obligations</span>. \n III. Discussion of the Proposed Rule, Comments"},{"title":"Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders","type":"Rule","abstract":"Under the Consumer Financial Protection Act of 2010 (CFPA), the Consumer Financial Protection Bureau (Bureau or CFPB) is issuing this final rule to require certain types of nonbank covered persons subject to certain final public orders obtained or issued by a government agency in connection with the offering or provision of a consumer financial product or service to report the existence of the orders and related information to a Bureau registry. The Bureau is also requiring certain supervised nonbanks to file annual reports regarding compliance with registered orders.","document_number":"2024-12689","html_url":"https://www.federalregister.gov/documents/2024/07/08/2024-12689/registry-of-nonbank-covered-persons-subject-to-certain-agency-and-court-orders","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-07-08/pdf/2024-12689.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-12689.pdf?1720183519","publication_date":"2024-07-08","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":"the <span class=\"match\">obligations</span> <span class=\"match\">imposed</span> by referencing another document, such as a written opinion, stipulation, or complaint, that shows that a covered law served as the legal basis for the <span class=\"match\">obligations</span> <span class=\"match\">imposed</span> in the order. The Bureau, however, stated that the requirements of proposed § 1092.201(e)(4) would not have been satisfied where the legal basis for the <span class=\"match\">obligations</span> <span class=\"match\">imposed</span> is specified only in extrinsic documents not referenced in the order at issue, such as a press release or blog post.\n \n \n \n 228 \n  The Bureau explained that an <span class=\"match\">obligation</span> <span class=\"match\">imposed</span> based"},{"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":"their <span class=\"match\">obligations</span> when establishing overdraft credit products. The commenters stated that the uncertain financed amount for a plan would challenge a financial institution's <span class=\"match\">compliance</span> efforts and their ability to transparently disclose terms to consumers. \n An individual commenter questioned the CFPB's conclusion that an overdraft fee is “<span class=\"match\">imposed</span> from time to time on an outstanding unpaid balance. . . .” The commenter stated that an overdraft fee is <span class=\"match\">imposed</span> because a transaction exceeded the dollar amount in the account, and it is <span class=\"match\">imposed</span> regardless"},{"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":"information to consumer reporting agencies, as described above, the rule does not <span class=\"match\">impose</span> any requirements on furnishers, nor does the rule <span class=\"match\">impose</span> other requirements on health care providers. Accordingly, the CFPB has determined that the rule will not <span class=\"match\">impose</span> reporting, recordkeeping, and other <span class=\"match\">compliance</span> costs on health care providers. However, as discussed in part VII.E.4, the rule may make furnishing a less effective means of inducing payment of medical debts. This may <span class=\"match\">impose</span> costs on health care providers if they turn to other collection mechanisms that"},{"title":"Required Rulemaking on Personal Financial Data Rights","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is proposing a rule to implement personal financial data rights under the Consumer Financial Protection Act of 2010 (CFPA). The proposed rule would require depository and nondepository entities to make available to consumers and authorized third parties certain data relating to consumers' transactions and accounts; establish obligations for third parties accessing a consumer's data, including important privacy protections for that data; provide basic standards for data access; and promote fair, open, and inclusive industry standards.","document_number":"2023-23576","html_url":"https://www.federalregister.gov/documents/2023/10/31/2023-23576/required-rulemaking-on-personal-financial-data-rights","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-10-31/pdf/2023-23576.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-23576.pdf?1698669921","publication_date":"2023-10-31","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":"overrides other authorities at the CFPB's disposal to <span class=\"match\">impose</span> reasonable record retention <span class=\"match\">obligations</span>. Accordingly, because the authority for proposed § 1033.351(d) arises from CFPA section 1022(b)(1) and is necessary for the CFPB and others with enforcement authority to verify data provider's <span class=\"match\">compliance</span> with CFPA section 1033, the CFPB is authorized to require data providers to establish and maintain policies and procedures to ensure the retention of records that evidence <span class=\"match\">compliance</span> with their <span class=\"match\">obligations</span> under proposed subparts B and C. \n D. Subpart D—Authorized"},{"title":"Supervisory Highlights, Issue 30, Summer 2023","type":"Notice","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) is issuing its thirtieth edition of Supervisory Highlights.","document_number":"2023-16764","html_url":"https://www.federalregister.gov/documents/2023/08/07/2023-16764/supervisory-highlights-issue-30-summer-2023","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-08-07/pdf/2023-16764.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-16764.pdf?1691153128","publication_date":"2023-08-07","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":"examinations, Examiners found lenders violated <span class=\"match\">ECOA</span> and Regulation B. \n 2.6.1 Pricing Discrimination \n \n In the Fall 2021 issue of \n Supervisory Highlights, \n the CFPB discussed findings that mortgage lenders violated <span class=\"match\">ECOA</span> and Regulation B by discriminating against African American and female borrowers in the granting of pricing exceptions based upon competitive offers from other institutions.\n 38 \n \n Since then, Supervision conducted additional examinations assessing mortgage lenders' <span class=\"match\">compliance</span> with <span class=\"match\">ECOA</span> and Regulation B with respect to the granting"},{"title":"Fair Lending Report of the Consumer Financial Protection Bureau, June 2023","type":"Notice","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing its eleventh Fair Lending Report of the Consumer Financial Protection Bureau (Fair Lending Report) to Congress. The CFPB is committed to ensuring fair, equitable, and nondiscriminatory access to credit for both individuals and communities. This report describes our fair lending activities in supervision and enforcement; guidance and rulemaking; interagency coordination; and outreach and education for calendar year 2022.","document_number":"2023-14197","html_url":"https://www.federalregister.gov/documents/2023/07/06/2023-14197/fair-lending-report-of-the-consumer-financial-protection-bureau-june-2023","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-07-06/pdf/2023-14197.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-14197.pdf?1688561116","publication_date":"2023-07-06","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":"iness-lending-under-the-equal-credit-opportunity-act-regulation-b/.\n \n \n \n 5. Interagency Reporting on <span class=\"match\">ECOA</span> and HMDA \n \n The CFPB is statutorily required to file a report to Congress annually describing the administration of its functions under <span class=\"match\">ECOA</span>, summarizing public enforcement actions taken by other agencies with administrative enforcement responsibilities under <span class=\"match\">ECOA</span>, and providing an assessment of the extent to which <span class=\"match\">compliance</span> with <span class=\"match\">ECOA</span> has been achieved.\n 83 \n \n In addition, the CFPB's annual HMDA reporting requirement calls for the CFPB"},{"title":"Fair Lending, Fair Housing, and Equitable Housing Finance Plans","type":"Rule","abstract":"The Federal Housing Finance Agency (FHFA or the Agency) is issuing this final rule that addresses barriers to sustainable housing opportunities for underserved communities by codifying existing FHFA practices in regulation and adding new requirements related to fair lending, fair housing, unfair or deceptive acts or practices, and Equitable Housing Finance Plans. The final rule furthers FHFA's fulfillment of its statutory purposes and its oversight of the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), and the Federal Home Loan Banks (Banks) (Fannie Mae and Freddie Mac collectively, the Enterprises; the Enterprises and the Banks collectively, the regulated entities), and their fulfillment of their statutory purposes.","document_number":"2024-09559","html_url":"https://www.federalregister.gov/documents/2024/05/16/2024-09559/fair-lending-fair-housing-and-equitable-housing-finance-plans","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-05-16/pdf/2024-09559.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-09559.pdf?1715777113","publication_date":"2024-05-16","agencies":[{"raw_name":"FEDERAL HOUSING FINANCE AGENCY","name":"Federal Housing Finance Agency","id":174,"url":"https://www.federalregister.gov/agencies/federal-housing-finance-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/174","parent_id":null,"slug":"federal-housing-finance-agency"}],"excerpts":"duplicative of existing <span class=\"match\">compliance</span> duties and places fair lending above other <span class=\"match\">compliance</span> <span class=\"match\">obligations</span>. \n \n FHFA believes that the proposed language <span class=\"match\">clarifies</span> rather than duplicates existing <span class=\"match\">compliance</span> duties. The regulated entities are currently required to comply with fair housing, fair lending, and UDAP laws,\n 99 \n \n and the regulated entities' boards of directors are required to oversee <span class=\"match\">compliance</span> \n \n risks.\n 100 \n \n The proposed language <span class=\"match\">clarified</span> that the board of directors must consider fair lending, fair housing, and UDAP <span class=\"match\">compliance</span> in its oversight"},{"title":"Inclusive Competition and Market Integrity Under the Packers and Stockyards Act","type":"Rule","abstract":"The U.S. Department of Agriculture's (USDA or Department) Agricultural Marketing Service (AMS or the Agency) amends its Packers and Stockyards Act, 1921, regulations to prohibit undue prejudice and unjust discrimination against individuals on a prohibited basis unrelated to the quality of the service or product provided. The rule also identifies retaliatory practices that interfere with lawful communications, assertion of rights, and associated participation, among other protected activities, as unjust discrimination prohibited by the law. Finally, the rule identifies deceptive practices that violate the Packers and Stockyards Act with respect to contract formation, contract performance, contract termination, and contract refusal. The purpose of this rule is to promote inclusive competition and market integrity in the livestock, meats, poultry, and live poultry markets.","document_number":"2024-04419","html_url":"https://www.federalregister.gov/documents/2024/03/06/2024-04419/inclusive-competition-and-market-integrity-under-the-packers-and-stockyards-act","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-03-06/pdf/2024-04419.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-04419.pdf?1709646316","publication_date":"2024-03-06","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":"Agricultural Marketing Service","name":"Agricultural Marketing Service","id":9,"url":"https://www.federalregister.gov/agencies/agricultural-marketing-service","json_url":"https://www.federalregister.gov/api/v1/agencies/9","parent_id":12,"slug":"agricultural-marketing-service"}],"excerpts":"unjust discrimination. \n i. Appropriateness of Proposed Regulation's Recordkeeping <span class=\"match\">Obligations</span> To Permit AMS To Monitor Regulated Entities for <span class=\"match\">Compliance</span> \n AMS requested comment on whether the proposed recordkeeping <span class=\"match\">obligations</span> were appropriate to allow AMS to monitor regulated entities for <span class=\"match\">compliance</span>. \n \n Comment: \n A group of State attorneys general and several organizations generally supported the proposed recordkeeping <span class=\"match\">obligations</span> in order to enhance <span class=\"match\">compliance</span> by regulated entities and enhance AMS's ability to monitor them for discriminatory"},{"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":"test, and validate their current <span class=\"match\">compliance</span> programs. Consumer reporting agencies that have different screening processes and databases that do not rely on the Metro 2 format may incur different <span class=\"match\">compliance</span> costs associated with their own systems, though, as noted above, some \n \n <span class=\"match\">compliance</span> costs may already have been incurred to comply with State laws. The <span class=\"match\">compliance</span> costs for consumer reporting agencies could be greater if medical information furnishers do not comply with their FCRA section 623(a)(9) <span class=\"match\">obligation</span> to notify consumer reporting agencies"},{"title":"Nondiscrimination in Health Programs and Activities","type":"Rule","abstract":"The Department of Health and Human Services (HHS or the Department) is issuing this final rule regarding section 1557 of the Affordable Care Act (ACA) (section 1557). Section 1557 prohibits discrimination on the basis of race, color, national origin, sex, age, or disability in certain health programs and activities. Section 1557(c) of the ACA authorizes the Secretary of the Department to promulgate regulations to implement the nondiscrimination requirements of section 1557. The Department is also revising its interpretation regarding whether Medicare Part B constitutes Federal financial assistance for purposes of civil rights enforcement. Additionally, the Department is revising provisions prohibiting discrimination on the basis of sex in regulations issued by the Centers for Medicare & Medicaid Services (CMS) governing Medicaid and the Children's Health Insurance Program (CHIP); Programs of All-Inclusive Care for the Elderly (PACE); health insurance issuers and their officials, employees, agents, and representatives; States and the Exchanges carrying out Exchange requirements; agents, brokers, or web-brokers that assist with or facilitate enrollment of qualified individuals, qualified employers, or qualified employees; issuers providing essential health benefits (EHB); and qualified health plan issuers.","document_number":"2024-08711","html_url":"https://www.federalregister.gov/documents/2024/05/06/2024-08711/nondiscrimination-in-health-programs-and-activities","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-05-06/pdf/2024-08711.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-08711.pdf?1714162519","publication_date":"2024-05-06","agencies":[{"raw_name":"DEPARTMENT OF HEALTH AND HUMAN SERVICES","name":"Health and Human Services Department","id":221,"url":"https://www.federalregister.gov/agencies/health-and-human-services-department","json_url":"https://www.federalregister.gov/api/v1/agencies/221","parent_id":null,"slug":"health-and-human-services-department"},{"raw_name":"Centers for Medicare & Medicaid Services","name":"Centers for Medicare & Medicaid Services","id":45,"url":"https://www.federalregister.gov/agencies/centers-for-medicare-medicaid-services","json_url":"https://www.federalregister.gov/api/v1/agencies/45","parent_id":221,"slug":"centers-for-medicare-medicaid-services"},{"raw_name":"Office of the Secretary"}],"excerpts":"ensuring <span class=\"match\">compliance</span> with section 1557.\n \n OCR appreciates commenters' concerns that Coordinators be sufficiently independent from a covered entity to ensure impartiality and transparency. We note that a covered entity may run the risk of noncompliance with section 1557 if an investigation reveals that its Coordinator did not carry out their <span class=\"match\">obligations</span> under section 1557 in an impartial manner. By having a Coordinator, with specific <span class=\"match\">compliance</span> responsibilities, OCR expects that covered entities will be cognizant of the importance of <span class=\"match\">compliance</span> with"},{"title":"Interagency Guidance on Reconsiderations of Value of Residential Real Estate Valuations","type":"Proposed Rule","abstract":"The Board, CFPB, FDIC, NCUA, and OCC (together, the agencies) are issuing proposed guidance that would highlight risks associated with deficient residential real estate valuations and describe how financial institutions may incorporate reconsiderations of value (ROV) processes and controls into established risk management functions. The proposed guidance would also highlight examples of policies and procedures that a financial institution may choose to establish to help identify, address, and mitigate the risk of discrimination impacting residential real estate valuations.","document_number":"2023-12609","html_url":"https://www.federalregister.gov/documents/2023/07/21/2023-12609/interagency-guidance-on-reconsiderations-of-value-of-residential-real-estate-valuations","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-07-21/pdf/2023-12609.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-12609.pdf?1689857118","publication_date":"2023-07-21","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"},{"raw_name":"NATIONAL CREDIT UNION ADMINISTRATION","name":"National Credit Union Administration","id":335,"url":"https://www.federalregister.gov/agencies/national-credit-union-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/335","parent_id":null,"slug":"national-credit-union-administration"},{"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":"determine the value of residential property.\n \n \n Applicable Statutes, Regulations, and Guidance \n \n The Equal Credit Opportunity Act (<span class=\"match\">ECOA</span>), and its implementing regulation, Regulation B, prohibit discrimination in any aspect of a credit transaction.\n 8 \n \n The Fair Housing Act (FH Act) and its implementing regulation prohibit discrimination in all aspects of residential real estate-related transactions.\n 9 \n \n <span class=\"match\">ECOA</span> and the FH Act prohibit discrimination on the basis of race and certain other characteristics in all aspects of residential real estate-related"}]}