{"abstract":"The Consumer Financial Protection Bureau (CFPB) has issued Consumer Financial Protection Circular 2024-03, titled, \"Unlawful and Unenforceable Contract Terms and Conditions.\" In this circular, the CFPB responds to the question, \"Can persons that include unlawful or unenforceable terms and conditions in contracts for consumer financial products and services violate the prohibition on deceptive acts or practices in the Consumer Financial Protection Act (CFPA)?\"","action":"Consumer financial protection circular.","agencies":[{"raw_name":"Consumer Financial Protection Bureau","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/2024/06/21/2024-13581.html","cfr_references":[{"chapter":"0","citation_url":null,"part":null,"title":12}],"citation":"89 FR 51955","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"The CFPB released this circular on its website on June 4, 2024.","disposition_notes":null,"docket_ids":[],"dockets":[{"supporting_documents":[],"agency_name":"CFPB","documents":[{"comment_count":0,"comment_start_date":"2024-06-21","updated_at":"2024-11-15T13:57:49.071-05:00","comment_url":"https://www.regulations.gov/commenton/CFPB-2024-0001-0015","allow_late_comments":false,"id":"CFPB-2024-0001-0015","comment_end_date":null,"regulations_dot_gov_open_for_comment":false}],"supporting_documents_count":0,"id":"CFPB-2024-0001","title":"2024 - Notices"}],"document_number":"2024-13581","effective_on":null,"end_page":51957,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2024/06/21/2024-13581.xml","html_url":"https://www.federalregister.gov/documents/2024/06/21/2024-13581/consumer-financial-protection-circular-2024-03-unlawful-and-unenforceable-contract-terms-and","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2024-13581?publication_date=2024-06-21","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2024-06-21/2024-13581/mods.xml","not_received_for_publication":null,"page_length":3,"page_views":{"count":1285,"last_updated":"2026-10-23 10:15:04 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-06-21/pdf/2024-13581.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-13581.pdf?1718887530","publication_date":"2024-06-21","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2024/06/21/2024-13581.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-2024-0001","supporting_documents_count":0,"docket_id":"CFPB-2024-0001","document_id":"CFPB-2024-0001-0015","regulation_id_number":null,"title":"2024 - Notices","checked_regulationsdotgov_at":"2024-11-16T17:00:11Z"},"regulations_dot_gov_url":null,"significant":null,"signing_date":null,"start_page":51955,"subtype":null,"title":"Consumer Financial Protection Circular 2024-03: Unlawful and Unenforceable Contract Terms and Conditions","toc_doc":"202403; Unlawful and Unenforceable Contract Terms and Conditions","toc_subject":"Consumer Financial Protection Circular:\n","topics":[],"type":"Rule","volume":89}