{"abstract":"Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) transferred rulemaking authority for a number of consumer financial protection laws from seven Federal agencies to the Bureau of Consumer Financial Protection (Bureau) as of July 21, 2011. The Bureau is in the process of republishing the regulations implementing those laws with technical and conforming changes to reflect the transfer of authority and certain other changes made by the Dodd-Frank Act. In light of the transfer of the Board of Governors of the Federal Reserve System's (Board's) rulemaking authority for the Equal Credit Opportunity Act (ECOA) to the Bureau, the Bureau is publishing for public comment an interim final rule establishing a new Regulation B (Equal Credit Opportunity). This interim final rule does not impose any new substantive obligations on persons subject to the existing Regulation B, previously published by the Board.","action":"Interim final rule with request for public comment.","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"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2011/12/21/2011-31714.html","cfr_references":[{"chapter":null,"citation_url":null,"part":1002,"title":12}],"citation":"76 FR 79442","comment_url":null,"comments_close_on":"2012-02-21","correction_of":null,"corrections":[],"dates":"This interim final rule is effective December 30, 2011. Comments must be received on or before February 21, 2012.","disposition_notes":null,"docket_ids":["Docket No. CFPB-2011-0019"],"dockets":[],"document_number":"2011-31714","effective_on":"2011-12-30","end_page":79483,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2011/12/21/2011-31714.xml","html_url":"https://www.federalregister.gov/documents/2011/12/21/2011-31714/equal-credit-opportunity-regulation-b","images":{"ER21DE11.049":{"large":"https://img.federalregister.gov/ER21DE11.049/ER21DE11.049_large.png","medium":"https://img.federalregister.gov/ER21DE11.049/ER21DE11.049_medium.png","original_size":"https://img.federalregister.gov/ER21DE11.049/ER21DE11.049_original_size.png"},"ER21DE11.048":{"large":"https://img.federalregister.gov/ER21DE11.048/ER21DE11.048_large.png","medium":"https://img.federalregister.gov/ER21DE11.048/ER21DE11.048_medium.png","original_size":"https://img.federalregister.gov/ER21DE11.048/ER21DE11.048_original_size.png"},"ER21DE11.047":{"large":"https://img.federalregister.gov/ER21DE11.047/ER21DE11.047_large.png","medium":"https://img.federalregister.gov/ER21DE11.047/ER21DE11.047_medium.png","original_size":"https://img.federalregister.gov/ER21DE11.047/ER21DE11.047_original_size.png"},"ER21DE11.046":{"large":"https://img.federalregister.gov/ER21DE11.046/ER21DE11.046_large.png","medium":"https://img.federalregister.gov/ER21DE11.046/ER21DE11.046_medium.png","original_size":"https://img.federalregister.gov/ER21DE11.046/ER21DE11.046_original_size.png"},"ER21DE11.057":{"large":"https://img.federalregister.gov/ER21DE11.057/ER21DE11.057_large.png","medium":"https://img.federalregister.gov/ER21DE11.057/ER21DE11.057_medium.png","original_size":"https://img.federalregister.gov/ER21DE11.057/ER21DE11.057_original_size.png"},"ER21DE11.056":{"large":"https://img.federalregister.gov/ER21DE11.056/ER21DE11.056_large.png","medium":"https://img.federalregister.gov/ER21DE11.056/ER21DE11.056_medium.png","original_size":"https://img.federalregister.gov/ER21DE11.056/ER21DE11.056_original_size.png"},"ER21DE11.055":{"large":"https://img.federalregister.gov/ER21DE11.055/ER21DE11.055_large.png","medium":"https://img.federalregister.gov/ER21DE11.055/ER21DE11.055_medium.png","original_size":"https://img.federalregister.gov/ER21DE11.055/ER21DE11.055_original_size.png"},"ER21DE11.054":{"large":"https://img.federalregister.gov/ER21DE11.054/ER21DE11.054_large.png","medium":"https://img.federalregister.gov/ER21DE11.054/ER21DE11.054_medium.png","original_size":"https://img.federalregister.gov/ER21DE11.054/ER21DE11.054_original_size.png"},"ER21DE11.053":{"large":"https://img.federalregister.gov/ER21DE11.053/ER21DE11.053_large.png","medium":"https://img.federalregister.gov/ER21DE11.053/ER21DE11.053_medium.png","original_size":"https://img.federalregister.gov/ER21DE11.053/ER21DE11.053_original_size.png"},"ER21DE11.052":{"large":"https://img.federalregister.gov/ER21DE11.052/ER21DE11.052_large.png","medium":"https://img.federalregister.gov/ER21DE11.052/ER21DE11.052_medium.png","original_size":"https://img.federalregister.gov/ER21DE11.052/ER21DE11.052_original_size.png"},"ER21DE11.051":{"large":"https://img.federalregister.gov/ER21DE11.051/ER21DE11.051_large.png","medium":"https://img.federalregister.gov/ER21DE11.051/ER21DE11.051_medium.png","original_size":"https://img.federalregister.gov/ER21DE11.051/ER21DE11.051_original_size.png"},"ER21DE11.050":{"large":"https://img.federalregister.gov/ER21DE11.050/ER21DE11.050_large.png","medium":"https://img.federalregister.gov/ER21DE11.050/ER21DE11.050_medium.png","original_size":"https://img.federalregister.gov/ER21DE11.050/ER21DE11.050_original_size.png"}},"images_metadata":{"ER21DE11.049":{"large":{"identifier":"ER21DE11.049","content_type":"image/png","size":110090,"width":823,"sha":"bf46b188522fb8819d8f3cd2a74299bc","url":"https://img.federalregister.gov/ER21DE11.049/ER21DE11.049_large.png","height":1311},"medium":{"identifier":"ER21DE11.049","content_type":"image/png","size":42953,"width":447,"sha":"9d61d2e15998ab0a3b9df3f29a4947f1","url":"https://img.federalregister.gov/ER21DE11.049/ER21DE11.049_medium.png","height":712},"original_size":{"identifier":"ER21DE11.049","content_type":"image/png","size":360753,"width":3374,"sha":"de3da513420fdf486b9203a6587bcdbf","url":"https://img.federalregister.gov/ER21DE11.049/ER21DE11.049_original_size.png","height":5373}},"ER21DE11.048":{"large":{"identifier":"ER21DE11.048","content_type":"image/png","size":162453,"width":823,"sha":"acac86e41677d04f8b38984f39fadc8b","url":"https://img.federalregister.gov/ER21DE11.048/ER21DE11.048_large.png","height":1326},"medium":{"identifier":"ER21DE11.048","content_type":"image/png","size":45038,"width":440,"sha":"885c995786f9bff56d2029e4855aef0c","url":"https://img.federalregister.gov/ER21DE11.048/ER21DE11.048_medium.png","height":709},"original_size":{"identifier":"ER21DE11.048","content_type":"image/png","size":490312,"width":3328,"sha":"9e3936e44baa432d69ebbc20e848a72d","url":"https://img.federalregister.gov/ER21DE11.048/ER21DE11.048_original_size.png","height":5364}},"ER21DE11.047":{"large":{"identifier":"ER21DE11.047","content_type":"image/png","size":123640,"width":823,"sha":"d9dc4250af75d497dd531262c38fd897","url":"https://img.federalregister.gov/ER21DE11.047/ER21DE11.047_large.png","height":1320},"medium":{"identifier":"ER21DE11.047","content_type":"image/png","size":40666,"width":444,"sha":"a8c0cf3b0b93db015b4be1c4d331b7a3","url":"https://img.federalregister.gov/ER21DE11.047/ER21DE11.047_medium.png","height":712},"original_size":{"identifier":"ER21DE11.047","content_type":"image/png","size":334363,"width":3352,"sha":"d2557be8c8b7e565518c529c6b5a0caa","url":"https://img.federalregister.gov/ER21DE11.047/ER21DE11.047_original_size.png","height":5376}},"ER21DE11.046":{"large":{"identifier":"ER21DE11.046","content_type":"image/png","size":150818,"width":823,"sha":"5b4ec2f7ac5c13f162ea024029f113e3","url":"https://img.federalregister.gov/ER21DE11.046/ER21DE11.046_large.png","height":1324},"medium":{"identifier":"ER21DE11.046","content_type":"image/png","size":47963,"width":444,"sha":"a3877baa9bda8026e526bf41ca4c61e3","url":"https://img.federalregister.gov/ER21DE11.046/ER21DE11.046_medium.png","height":714},"original_size":{"identifier":"ER21DE11.046","content_type":"image/png","size":478000,"width":3352,"sha":"0bf83ede695cb8e3d9c110baa93c67b1","url":"https://img.federalregister.gov/ER21DE11.046/ER21DE11.046_original_size.png","height":5394}},"ER21DE11.057":{"large":{"identifier":"ER21DE11.057","content_type":"image/png","size":29545,"width":823,"sha":"c99ddeade47561b557893b730a155f5a","url":"https://img.federalregister.gov/ER21DE11.057/ER21DE11.057_large.png","height":1353},"medium":{"identifier":"ER21DE11.057","content_type":"image/png","size":10144,"width":434,"sha":"6fb3d2ebc8d81282b19974798bfce300","url":"https://img.federalregister.gov/ER21DE11.057/ER21DE11.057_medium.png","height":713},"original_size":{"identifier":"ER21DE11.057","content_type":"image/png","size":90329,"width":3276,"sha":"35e71a4032da20b9497317eef0458290","url":"https://img.federalregister.gov/ER21DE11.057/ER21DE11.057_original_size.png","height":5386}},"ER21DE11.056":{"large":{"identifier":"ER21DE11.056","content_type":"image/png","size":174060,"width":823,"sha":"583a25bcddbdab4d024a90f48cdb13b0","url":"https://img.federalregister.gov/ER21DE11.056/ER21DE11.056_large.png","height":1251},"medium":{"identifier":"ER21DE11.056","content_type":"image/png","size":64282,"width":466,"sha":"2fa91b6c94f64e5f6693bd6d47717d20","url":"https://img.federalregister.gov/ER21DE11.056/ER21DE11.056_medium.png","height":708},"original_size":{"identifier":"ER21DE11.056","content_type":"image/png","size":835871,"width":3519,"sha":"5143c22e48750afb03194e9f7413747d","url":"https://img.federalregister.gov/ER21DE11.056/ER21DE11.056_original_size.png","height":5348}},"ER21DE11.055":{"large":{"identifier":"ER21DE11.055","content_type":"image/png","size":139561,"width":823,"sha":"fc81de9a5860d8e792f9e12490f30538","url":"https://img.federalregister.gov/ER21DE11.055/ER21DE11.055_large.png","height":1265},"medium":{"identifier":"ER21DE11.055","content_type":"image/png","size":43997,"width":466,"sha":"e7af57a0dd8604a4898bd66d78620635","url":"https://img.federalregister.gov/ER21DE11.055/ER21DE11.055_medium.png","height":716},"original_size":{"identifier":"ER21DE11.055","content_type":"image/png","size":514902,"width":3519,"sha":"35cb0b28d739aceb8c3e190be8fc5839","url":"https://img.federalregister.gov/ER21DE11.055/ER21DE11.055_original_size.png","height":5407}},"ER21DE11.054":{"large":{"identifier":"ER21DE11.054","content_type":"image/png","size":143426,"width":823,"sha":"48502b27b4674f3495f7323a19328d23","url":"https://img.federalregister.gov/ER21DE11.054/ER21DE11.054_large.png","height":1230},"medium":{"identifier":"ER21DE11.054","content_type":"image/png","size":48661,"width":479,"sha":"29ce04989f739e39e61293e4219c43b8","url":"https://img.federalregister.gov/ER21DE11.054/ER21DE11.054_medium.png","height":716},"original_size":{"identifier":"ER21DE11.054","content_type":"image/png","size":572382,"width":3618,"sha":"082941b559dee4f474e42cd24cfd5a76","url":"https://img.federalregister.gov/ER21DE11.054/ER21DE11.054_original_size.png","height":5408}},"ER21DE11.053":{"large":{"identifier":"ER21DE11.053","content_type":"image/png","size":117730,"width":822,"sha":"40df398d279e65d672c092bd8089693d","url":"https://img.federalregister.gov/ER21DE11.053/ER21DE11.053_large.png","height":1304},"medium":{"identifier":"ER21DE11.053","content_type":"image/png","size":43397,"width":449,"sha":"500fe4a95a79f20557e1bab45f417fe5","url":"https://img.federalregister.gov/ER21DE11.053/ER21DE11.053_medium.png","height":712},"original_size":{"identifier":"ER21DE11.053","content_type":"image/png","size":373487,"width":3388,"sha":"a9b8b0827856373be6f6165fad0f450b","url":"https://img.federalregister.gov/ER21DE11.053/ER21DE11.053_original_size.png","height":5374}},"ER21DE11.052":{"large":{"identifier":"ER21DE11.052","content_type":"image/png","size":149274,"width":823,"sha":"10fbaf1d8cdc3db588e9b9d7490f38e1","url":"https://img.federalregister.gov/ER21DE11.052/ER21DE11.052_large.png","height":1330},"medium":{"identifier":"ER21DE11.052","content_type":"image/png","size":44491,"width":440,"sha":"9168d4e79573cc5ce9a56a7c18e5755a","url":"https://img.federalregister.gov/ER21DE11.052/ER21DE11.052_medium.png","height":711},"original_size":{"identifier":"ER21DE11.052","content_type":"image/png","size":462560,"width":3328,"sha":"e2c1b0cf50bd6ec75c4e3106f0001499","url":"https://img.federalregister.gov/ER21DE11.052/ER21DE11.052_original_size.png","height":5377}},"ER21DE11.051":{"large":{"identifier":"ER21DE11.051","content_type":"image/png","size":120267,"width":823,"sha":"5f74125018ea7dde8c7cdbb12cd2c89e","url":"https://img.federalregister.gov/ER21DE11.051/ER21DE11.051_large.png","height":1310},"medium":{"identifier":"ER21DE11.051","content_type":"image/png","size":46069,"width":449,"sha":"93e4d000e4588ce1ac9f0ebb573b5ee9","url":"https://img.federalregister.gov/ER21DE11.051/ER21DE11.051_medium.png","height":715},"original_size":{"identifier":"ER21DE11.051","content_type":"image/png","size":399851,"width":3390,"sha":"6bdf90dbee7171c128a84ec656092df0","url":"https://img.federalregister.gov/ER21DE11.051/ER21DE11.051_original_size.png","height":5396}},"ER21DE11.050":{"large":{"identifier":"ER21DE11.050","content_type":"image/png","size":150906,"width":823,"sha":"7b0ed6fd9a361054805f58014dbaae72","url":"https://img.federalregister.gov/ER21DE11.050/ER21DE11.050_large.png","height":1311},"medium":{"identifier":"ER21DE11.050","content_type":"image/png","size":44550,"width":445,"sha":"db65469dd14d87168e497302520bd71d","url":"https://img.federalregister.gov/ER21DE11.050/ER21DE11.050_medium.png","height":709},"original_size":{"identifier":"ER21DE11.050","content_type":"image/png","size":478971,"width":3360,"sha":"c57e569f2690aafa1b9ef4bab47164be","url":"https://img.federalregister.gov/ER21DE11.050/ER21DE11.050_original_size.png","height":5351}}},"json_url":"https://www.federalregister.gov/api/v1/documents/2011-31714?publication_date=2011-12-21","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2011-12-21/2011-31714/mods.xml","not_received_for_publication":null,"page_length":42,"page_views":{"count":29490,"last_updated":"2026-07-26 12:15:03 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2011-12-21/pdf/2011-31714.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2011-31714.pdf?1324388868","publication_date":"2011-12-21","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2011/12/21/2011-31714.txt","regulation_id_number_info":{"3170-AA06":{"issue":"201604","html_url":"https://www.federalregister.gov/regulations/3170-AA06/restatement-of-federal-consumer-financial-law-regulations-","title":"Restatement of Federal Consumer Financial Law Regulations  ","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201604&RIN=3170-AA06&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"}},"regulation_id_numbers":["3170-AA06"],"regulations_dot_gov_info":{"checked_regulationsdotgov_at":"2012-04-13T23:40:04Z"},"regulations_dot_gov_url":null,"significant":false,"signing_date":null,"start_page":79442,"subtype":null,"title":"Equal Credit Opportunity (Regulation B)","toc_doc":"Equal Credit Opportunity (Regulation B)","toc_subject":null,"topics":["Aged","Banks, banking","Civil rights","Consumer protection","Credit","Credit unions","Marital status discrimination","Penalties","Religious discrimination","Reporting and recordkeeping requirements","Savings associations","Sex discrimination"],"type":"Rule","volume":76}