{"abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) is issuing a final rule 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 facilitate compliance with ECOA by clarifying the obligations imposed by the statute.","action":"Final rule.","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/2026/04/22/2026-07804.html","cfr_references":[{"chapter":null,"citation_url":null,"part":"1002","title":12}],"citation":"91 FR 21620","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"This final rule is effective July 21, 2026.","disposition_notes":null,"docket_ids":["Docket No. CFPB-2025-0039"],"dockets":[],"document_number":"2026-07804","effective_on":"2026-07-21","end_page":21670,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2026/04/22/2026-07804.xml","html_url":"https://www.federalregister.gov/documents/2026/04/22/2026-07804/equal-credit-opportunity-act-regulation-b","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2026-07804?publication_date=2026-04-22","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2026-04-22/2026-07804/mods.xml","not_received_for_publication":null,"page_length":51,"page_views":{"count":1420,"last_updated":"2026-04-24 10:15:04 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-22/pdf/2026-07804.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-07804.pdf?1776775512","publication_date":"2026-04-22","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2026/04/22/2026-07804.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":0,"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-2025-0039-88180","regulation_id_number":"3170-AB54","title":"Equal Credit Opportunity Act (Regulation B).","checked_regulationsdotgov_at":"2026-04-23T11:55:04Z"},"regulations_dot_gov_url":null,"significant":true,"signing_date":null,"start_page":21620,"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","National banks","Penalties","Religious discrimination","Reporting and recordkeeping requirements","Savings associations","Sex discrimination"],"type":"Rule","volume":91}