CFPB Resource Summaries

Advisory Opinions

Date	Advisory Opinion	Summary
September 2024	TILA/Reg Z Protections for Homes Sales Financed Under Contracts for Deed	Available

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CFPB Bulletins

Date	Bulletin	Summary
2023
March	Compliance Bulletin and Policy Guidance 2023-01: Unfair Billing and Collection Practices After Bankruptcy Discharges of Certain Student Loan Debts	Available
2022
November	Compliance Bulletin 2022-06: Unfair Returned Deposited Item Fee Assessment Practices	Available
2021
April	CFPB Bulletin 2021-02: Supervision and Enforcement Priorities Regarding Housing Insecurity	Available
2020
May	CFPB Bulletin 2020-02 Handling of Information and Documents During Mortgage Servicing Transfers	Available
March	CFPB Bulletin 2020-01 Responsible Business Conduct	Available

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CFPB Circulars

Date	Circular	Summary
2024
December	Circular 2024-07: Design, marketing, and administration of credit card rewards programs	Available
September	Circular 2024-05: Unanticipated Overdraft Fee Assessment Practices	Available
July	Circular 2024-04: Whistleblower Protections Under CFPA Section 1057	Available
June	Circular 2024-03: Unlawful and unenforceable contract terms and conditions	Available
March	Circular 2024-02: Deceptive marketing practices about the speed or cost of sending a remittance transfer
February	Circular 2024-01: Preferencing and steering practices by digital intermediaries for consumer financial products or services
2023
September	Circular 2023-03: Adverse action notification requirements and the proper use of the CFPB’s sample forms provided in Regulation B	Available
May	Circular 2023-02: Reopening deposit accounts that consumers previously closed	Available
January	Circular 2023-01: “Unlawful negative option marketing practices”	Available
2022
November	Circular 2022-07: Reasonable investigation of consumer reporting disputes	Available
October	Circular 2022-06: Unanticipated Overdraft Fee Assessment Practices	Available

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Policy Statements

Date	Title	Summary
January 2026	CFPB/DOJ Withdrawal of Joint Statement on the Equal Credit Opportunity Act and Noncitizen Borrowers	Available
April 2023	CFPB Statement of Policy Regarding Prohibition on Abusive Acts or Practices	Available

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Outline of Proposals

Date	Title	Summary
November 2022	High Level Summary and Discussion Guide of Outline of Proposals and Alternatives Under Consideration for SBREFA: Required Rulemaking on Personal Financial Data Rights	Available