{"abstract":"The Consumer Financial Protection Bureau (CFPB) has received a written request to make a determination that the Truth in Lending Act (TILA) preempts a New York State commercial financing law with respect to certain provisions. The CFPB is publishing this notification of intent to make a preemption determination about that law and has made a preliminary conclusion that this law is not preempted by TILA. The CFPB is also providing notice that it is considering whether to make a preemption determination regarding State laws in California, Utah, and Virginia that are potentially similar to the New York law. The CFPB is soliciting public comment pursuant to Regulation Z.","action":"Notification of intent to make preemption determination; request for 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/2022/12/15/2022-27059.html","cfr_references":[{"chapter":null,"citation_url":null,"part":"1026","title":12}],"citation":"87 FR 76551","comment_url":null,"comments_close_on":"2023-01-20","correction_of":null,"corrections":[],"dates":"Comments must be received on or before January 20, 2023.","disposition_notes":null,"docket_ids":["Docket No. CFPB-2022-0070"],"dockets":[{"supporting_documents":[{"title":"Letter from Small Business Finance Association Requesting Preemption Determination under Truth in Lending Act","document_id":"CFPB-2022-0070-0002"}],"agency_name":"CFPB","documents":[{"comment_count":15,"comment_start_date":"2022-12-15","updated_at":"2023-02-27T19:49:55.124-05:00","comment_url":"https://www.regulations.gov/commenton/CFPB-2022-0070-0004","allow_late_comments":null,"id":"CFPB-2022-0070-0004","comment_end_date":"2023-01-21","regulations_dot_gov_open_for_comment":false}],"supporting_documents_count":1,"id":"CFPB-2022-0070","title":"Intent to Make Preemption Determination under the Truth in Lending Act (Regulation Z)"}],"document_number":"2022-27059","effective_on":null,"end_page":76553,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2022/12/15/2022-27059.xml","html_url":"https://www.federalregister.gov/documents/2022/12/15/2022-27059/intent-to-make-preemption-determination-under-the-truth-in-lending-act-regulation-z","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2022-27059?publication_date=2022-12-15","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2022-12-15/2022-27059/mods.xml","not_received_for_publication":null,"page_length":3,"page_views":{"count":1853,"last_updated":"2026-08-25 10:15:04 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2022-12-15/pdf/2022-27059.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2022-27059.pdf?1671025516","publication_date":"2022-12-15","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2022/12/15/2022-27059.txt","regulation_id_number_info":{},"regulation_id_numbers":[],"regulations_dot_gov_info":{"supporting_documents":[{"title":"Letter from Small Business Finance Association Requesting Preemption Determination under Truth in Lending Act","document_id":"CFPB-2022-0070-0002"}],"comments_count":15,"agency_id":"CFPB","comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=CFPB-2022-0070","supporting_documents_count":1,"docket_id":"CFPB-2022-0070","document_id":"CFPB-2022-0070-0004","regulation_id_number":"0000-AA00","title":"Intent to Make Preemption Determination under the Truth in Lending Act (Regulation Z)","checked_regulationsdotgov_at":"2023-02-28T00:49:54Z"},"regulations_dot_gov_url":null,"significant":null,"signing_date":null,"start_page":76551,"subtype":null,"title":"Intent To Make Preemption Determination Under the Truth in Lending Act (Regulation Z)","toc_doc":"Preemption Determination under the Truth in Lending Act (Regulation Z)","toc_subject":null,"topics":[],"type":"Rule","volume":87}