{"abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) is issuing a proposed rule for public comment that amends provisions related to disparate impact, discouragement of applicants or prospective applicants, and special purpose credit programs under Regulation B, the regulation implementing the Equal Credit Opportunity Act (ECOA or Act). The amendments would facilitate compliance with ECOA by clarifying the obligations imposed by the statute.","action":"Proposed rule; request for public comment.","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/2025/11/13/2025-19864.html","cfr_references":[{"chapter":null,"citation_url":null,"part":"1002","title":12}],"citation":"90 FR 50901","comment_url":null,"comments_close_on":"2025-12-15","correction_of":null,"corrections":["https://www.federalregister.gov/api/v1/documents/C1-2025-19864"],"dates":"Comments must be received on or before December 15, 2025.","disposition_notes":null,"docket_ids":["Docket No. CFPB-2025-0039"],"dockets":[{"supporting_documents":[],"agency_name":"CFPB","documents":[{"comment_count":64518,"comment_start_date":"2025-11-13","updated_at":"2026-03-24T01:55:50.177-04:00","comment_url":"https://www.regulations.gov/commenton/CFPB-2025-0039-0001","allow_late_comments":false,"id":"CFPB-2025-0039-0001","comment_end_date":"2025-12-16","regulations_dot_gov_open_for_comment":false}],"supporting_documents_count":0,"id":"CFPB-2025-0039","title":"Equal Credit Opportunity Act (Regulation B)."}],"document_number":"2025-19864","effective_on":null,"end_page":50923,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2025/11/13/2025-19864.xml","html_url":"https://www.federalregister.gov/documents/2025/11/13/2025-19864/equal-credit-opportunity-act-regulation-b","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2025-19864?publication_date=2025-11-13","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2025-11-13/2025-19864/mods.xml","not_received_for_publication":null,"page_length":23,"page_views":{"count":13063,"last_updated":"2026-07-26 18:15:03 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-11-13/pdf/2025-19864.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19864.pdf?1762955111","publication_date":"2025-11-13","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2025/11/13/2025-19864.txt","regulation_id_number_info":{"3170-AB54":{"issue":"202504","html_url":"https://www.federalregister.gov/regulations/3170-AB54/equal-credit-opportunity-act-regulation-b-","title":"Equal Credit Opportunity Act (Regulation B)","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=202504&RIN=3170-AB54&operation=OPERATION_EXPORT_XML","priority_category":"Other Significant"}},"regulation_id_numbers":["3170-AB54"],"regulations_dot_gov_info":{"supporting_documents":[],"regulatory_plan":{"html_url":"https://www.federalregister.gov/regulations/3170-AB54/equal-credit-opportunity-act-regulation-b-","title":"Equal Credit Opportunity Act (Regulation B)"},"comments_count":64518,"agency_id":"CFPB","comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=CFPB-2025-0039","supporting_documents_count":0,"docket_id":"CFPB-2025-0039","document_id":"CFPB-2025-0039-0001","regulation_id_number":"3170-AB54","title":"Equal Credit Opportunity Act (Regulation B).","checked_regulationsdotgov_at":"2026-03-25T08:55:08Z"},"regulations_dot_gov_url":null,"significant":true,"signing_date":null,"start_page":50901,"subtype":null,"title":"Equal Credit Opportunity Act (Regulation B)","toc_doc":"Equal Credit Opportunity Act (Regulation B)","toc_subject":null,"topics":["Banks, banking","Civil rights","Consumer protection","Credit","Credit unions","Marital status discrimination","Penalties","Religious discrimination","Reporting and recordkeeping requirements","Savings associations","Sex discrimination"],"type":"Proposed Rule","volume":90}