{"abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) seeks information about the use or potential use of alternative data and modeling techniques in the credit process. Alternative data and modeling techniques are changing the way that some financial service providers conduct business. These changes hold the promise of potentially significant benefits for some consumers but also present certain potentially significant risks. The Bureau seeks to learn more about current and future market developments, including existing and emerging consumer benefits and risks, and how these developments could alter the marketplace and the consumer experience. The Bureau also seeks to learn how market participants are or could be mitigating certain risks to consumers, and about consumer preferences, views, and concerns.","action":"Notice and request for information.","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/2017/02/21/2017-03361.html","cfr_references":[],"citation":"82 FR 11183","comment_url":null,"comments_close_on":"2017-05-19","correction_of":null,"corrections":[],"dates":"Comments must be received on or before May 19, 2017.","disposition_notes":null,"docket_ids":["Docket No. CFPB-2017-0005"],"dockets":[{"supporting_documents":[],"agency_name":"CFPB","documents":[{"comment_count":109,"comment_start_date":"2017-02-21","updated_at":"2023-02-28T19:22:29.076-05:00","comment_url":"https://www.regulations.gov/commenton/CFPB-2017-0005-0001","allow_late_comments":null,"id":"CFPB-2017-0005-0001","comment_end_date":"2017-05-20","regulations_dot_gov_open_for_comment":false}],"supporting_documents_count":0,"id":"CFPB-2017-0005","title":"Request for Information Regarding Use\nof Alternative Data and Modeling\nTechniques in the Credit Process"}],"document_number":"2017-03361","effective_on":null,"end_page":11191,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2017/02/21/2017-03361.xml","html_url":"https://www.federalregister.gov/documents/2017/02/21/2017-03361/request-for-information-regarding-use-of-alternative-data-and-modeling-techniques-in-the-credit","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2017-03361?publication_date=2017-02-21","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2017-02-21/2017-03361/mods.xml","not_received_for_publication":null,"page_length":9,"page_views":{"count":4156,"last_updated":"2026-04-04 14:15:05 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2017-02-21/pdf/2017-03361.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2017-03361.pdf?1487339171","publication_date":"2017-02-21","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2017/02/21/2017-03361.txt","regulation_id_number_info":{},"regulation_id_numbers":[],"regulations_dot_gov_info":{"supporting_documents":[],"comments_count":109,"agency_id":"CFPB","comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=CFPB-2017-0005","supporting_documents_count":0,"docket_id":"CFPB-2017-0005","document_id":"CFPB-2017-0005-0001","regulation_id_number":null,"title":"Request for Information Regarding Use\nof Alternative Data and Modeling\nTechniques in the Credit Process","checked_regulationsdotgov_at":"2023-03-01T00:22:28Z"},"regulations_dot_gov_url":null,"significant":null,"signing_date":null,"start_page":11183,"subtype":null,"title":"Request for Information Regarding Use of Alternative Data and Modeling Techniques in the Credit Process","toc_doc":"Use of Alternative Data and Modeling Techniques in Credit Process","toc_subject":"Requests for Information:","topics":[],"type":"Notice","volume":82}