{"abstract":"The Bureau of Consumer Financial Protection (Bureau) is issuing this interpretive rule to clarify that, with respect to any aspect of a credit transaction, the prohibition against sex discrimination in the Equal Credit Opportunity Act (ECOA) and Regulation B, which implements ECOA, encompasses sexual orientation discrimination and gender identity discrimination, including discrimination based on actual or perceived nonconformity with sex- based or gender-based stereotypes and discrimination based on an applicant's associations.","action":"Interpretive rule.","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/2021/03/16/2021-05233.html","cfr_references":[{"chapter":null,"citation_url":null,"part":"1002","title":12}],"citation":"86 FR 14363","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"This interpretive rule is effective on March 16, 2021.","disposition_notes":null,"docket_ids":[],"dockets":[],"document_number":"2021-05233","effective_on":"2021-03-16","end_page":14366,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2021/03/16/2021-05233.xml","html_url":"https://www.federalregister.gov/documents/2021/03/16/2021-05233/equal-credit-opportunity-regulation-b-discrimination-on-the-bases-of-sexual-orientation-and-gender","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2021-05233?publication_date=2021-03-16","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2021-03-16/2021-05233/mods.xml","not_received_for_publication":null,"page_length":4,"page_views":{"count":13134,"last_updated":"2026-10-24 22:15:04 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2021-03-16/pdf/2021-05233.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2021-05233.pdf?1615812314","publication_date":"2021-03-16","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2021/03/16/2021-05233.txt","regulation_id_number_info":{},"regulation_id_numbers":[],"regulations_dot_gov_info":{"supporting_documents":[{"title":"Supporting statement April 2021_FINAL","document_id":"CFPB-2021-0001-0023"}],"comments_count":0,"agency_id":"CFPB","comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=CFPB-2021-0001","supporting_documents_count":1,"docket_id":"CFPB-2021-0001","document_id":"CFPB-2021-0001-0008","regulation_id_number":null,"title":"Notices","checked_regulationsdotgov_at":"2021-03-17T03:30:07Z"},"regulations_dot_gov_url":null,"significant":null,"signing_date":null,"start_page":14363,"subtype":null,"title":"Equal Credit Opportunity (Regulation B); Discrimination on the Bases of Sexual Orientation and Gender Identity","toc_doc":"Discrimination on the Bases of Sexual Orientation and Gender Identity","toc_subject":"Equal Credit Opportunity (Regulation B):\n","topics":[],"type":"Rule","volume":86}