{"abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) proposes revisions to certain provisions of Regulation B, subpart B, implementing changes to the Equal Credit Opportunity Act made by section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. The Bureau is reconsidering coverage of certain credit transactions and financial institutions; the small business definition; inclusion of certain data points and how others are collected; and the compliance date. The CFPB believes these proposed changes would streamline the rule, reduce complexity for lenders, and improve data quality, advancing the purposes of section 1071 and complying with recent executive directives.","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/2025/11/13/2025-19865.html","cfr_references":[{"chapter":null,"citation_url":null,"part":"1002","title":12}],"citation":"90 FR 50952","comment_url":null,"comments_close_on":"2025-12-15","correction_of":null,"corrections":[],"dates":"Comments must be received on or before December 15, 2025.","disposition_notes":null,"docket_ids":["Docket No. CFPB-2025-0040"],"dockets":[{"supporting_documents":[],"agency_name":"CFPB","documents":[{"comment_count":411,"comment_start_date":"2025-11-13","updated_at":"2026-04-14T01:56:19.213-04:00","comment_url":"https://www.regulations.gov/commenton/CFPB-2025-0040-0001","allow_late_comments":false,"id":"CFPB-2025-0040-0001","comment_end_date":"2025-12-16","regulations_dot_gov_open_for_comment":false}],"supporting_documents_count":0,"id":"CFPB-2025-0040","title":"Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)"}],"document_number":"2025-19865","effective_on":null,"end_page":51011,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2025/11/13/2025-19865.xml","html_url":"https://www.federalregister.gov/documents/2025/11/13/2025-19865/small-business-lending-under-the-equal-credit-opportunity-act-regulation-b","images":{"EP13NO25.001":{"large":"https://img.federalregister.gov/EP13NO25.001/EP13NO25.001_large.png","medium":"https://img.federalregister.gov/EP13NO25.001/EP13NO25.001_medium.png","original_size":"https://img.federalregister.gov/EP13NO25.001/EP13NO25.001_original_size.png"},"EP13NO25.000":{"large":"https://img.federalregister.gov/EP13NO25.000/EP13NO25.000_large.png","medium":"https://img.federalregister.gov/EP13NO25.000/EP13NO25.000_medium.png","original_size":"https://img.federalregister.gov/EP13NO25.000/EP13NO25.000_original_size.png"}},"images_metadata":{"EP13NO25.001":{"large":{"identifier":"EP13NO25.001","content_type":"image/png","size":102403,"width":823,"sha":"faf133b7fcc5931a83a226e5af188e44","url":"https://img.federalregister.gov/EP13NO25.001/EP13NO25.001_large.png","height":1090},"medium":{"identifier":"EP13NO25.001","content_type":"image/png","size":36574,"width":446,"sha":"f4d856ef80c7c1d8bb756df5f886ecf7","url":"https://img.federalregister.gov/EP13NO25.001/EP13NO25.001_medium.png","height":591},"original_size":{"identifier":"EP13NO25.001","content_type":"image/png","size":73139,"width":1682,"sha":"0183c1c1c37ffc263af8758d251d32e1","url":"https://img.federalregister.gov/EP13NO25.001/EP13NO25.001_original_size.png","height":2228}},"EP13NO25.000":{"large":{"identifier":"EP13NO25.000","content_type":"image/png","size":96257,"width":823,"sha":"1102ebba0fda71c44819f9e7bbd7e82f","url":"https://img.federalregister.gov/EP13NO25.000/EP13NO25.000_large.png","height":1050},"medium":{"identifier":"EP13NO25.000","content_type":"image/png","size":34685,"width":445,"sha":"c534fe5a02419ef11e3232fbec4ad49f","url":"https://img.federalregister.gov/EP13NO25.000/EP13NO25.000_medium.png","height":568},"original_size":{"identifier":"EP13NO25.000","content_type":"image/png","size":77766,"width":1678,"sha":"21a475a0821f1a1c11966b68c27632de","url":"https://img.federalregister.gov/EP13NO25.000/EP13NO25.000_original_size.png","height":2141}}},"json_url":"https://www.federalregister.gov/api/v1/documents/2025-19865?publication_date=2025-11-13","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2025-11-13/2025-19865/mods.xml","not_received_for_publication":null,"page_length":60,"page_views":{"count":10962,"last_updated":"2026-05-24 10:15:03 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-11-13/pdf/2025-19865.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19865.pdf?1762955111","publication_date":"2025-11-13","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2025/11/13/2025-19865.txt","regulation_id_number_info":{"3170-AB40":{"issue":"202504","html_url":"https://www.federalregister.gov/regulations/3170-AB40/small-business-lending-data-collection-under-the-equal-credit-opportunity-act-reconsideration","title":"Small Business Lending Data Collection Under the Equal Credit Opportunity Act Reconsideration","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=202504&RIN=3170-AB40&operation=OPERATION_EXPORT_XML","priority_category":"Other 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(Regulation B)","toc_doc":"Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)","toc_subject":null,"topics":["Civil rights","Consumer protection","Credit","Credit unions","Marital status discrimination","National banks","Penalties"],"type":"Proposed Rule","volume":90}