{"abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing this advisory opinion to affirm that the Equal Credit Opportunity Act and Regulation B protect not only those actively seeking credit but also those who sought and have received credit.","action":"Advisory opinion.","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/2022/05/18/2022-10453.html","cfr_references":[{"chapter":null,"citation_url":null,"part":1002,"title":12}],"citation":"87 FR 30097","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"This advisory opinion is applicable on May 18, 2022.","disposition_notes":null,"docket_ids":[],"dockets":[],"document_number":"2022-10453","effective_on":null,"end_page":30101,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2022/05/18/2022-10453.xml","html_url":"https://www.federalregister.gov/documents/2022/05/18/2022-10453/equal-credit-opportunity-regulation-b-revocations-or-unfavorable-changes-to-the-terms-of-existing","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2022-10453?publication_date=2022-05-18","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2022-05-18/2022-10453/mods.xml","not_received_for_publication":null,"page_length":5,"page_views":{"count":7229,"last_updated":"2026-04-04 14:15:05 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2022-05-18/pdf/2022-10453.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2022-10453.pdf?1652791514","publication_date":"2022-05-18","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2022/05/18/2022-10453.txt","regulation_id_number_info":{},"regulation_id_numbers":[],"regulations_dot_gov_info":{"supporting_documents":[],"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-2022-0001","supporting_documents_count":0,"docket_id":"CFPB-2022-0001","document_id":"CFPB-2022-0001-0013","regulation_id_number":null,"title":"NOTICES","checked_regulationsdotgov_at":"2022-05-19T03:30:04Z"},"regulations_dot_gov_url":null,"significant":null,"signing_date":null,"start_page":30097,"subtype":null,"title":"Equal Credit Opportunity (Regulation B); Revocations or Unfavorable Changes to the Terms of Existing Credit Arrangements","toc_doc":"Revocations or Unfavorable Changes to the Terms of Existing Credit Arrangements","toc_subject":"Equal Credit Opportunity:\n","topics":[],"type":"Rule","volume":87}