CFPB Rule Summaries

2025 Rule Summaries

DateCFPB Notification of RulesSummaries / Comment LettersImportant Dates
November
CFPB Proposed Rule on Small Business Lending Data Collection (ECOA)Summary AvailableComments are due by December 15, 2025
Interpretive Rule: FCRA/Preemption of State LawSummary AvailableThe new interpretive rule became effective on October 28, 2025
October
Small Business Lending under the Equal Credit Opportunity Act; Extension of Compliance DatesSummary AvailableThe final rule becomes effect on December 1, 2025
Final Rule Procedures for Supervisory Designation ProceedingsSummary Available
September
Defining Larger Participants of the Consumer Debt Collection MarketSummary Available
Personal Financial Data Rights ReconsiderationSummary AvailableComment date closes on October 21, 2025.
Defining Larger Participants of the Consumer Reporting MarketSummary Available
Defining Larger Participants of the International Money Transfer MarketSummary Available
Legal Standard Applicable to Supervisory Designation ProceedingsSummary Available
Defining Larger Participants of the Automobile Financing MarketSummary Available
July
Recission of State Official Notification Rules (Withdrawal)Summary AvailableEffective as of July 21, 2025
CFPB Policy Statement on Referrals for Potential Criminal EnforcementSummary AvailableThe policy statement became effective as of June 27, 2025
June
Interim Final Rule: Small Business Lending Extension of Compliance DatesSummary AvailableInterim Final Rule becomes effective on July 18, 2025
Consumer Financial Civil Penalty Fund AmendmentSummary Available
Procedure Relating to Rulemaking RescissionSummary AvailableThe final rule is effective as of June 18, 2025
Rescission of Protections for Borrowers Affected by the COVID-19 Emergency under RESPASummary AvailableThe Interim Final Rule becomes effective as of July 15, 2025, and comments are due by June 16, 2025. 
Notice and Request for Comments: Extension of the Consumer Complaint Intake System Company Portal Boarding Form” Summary Available
May
Recission of the Bureau’s Interpretative Rule on the Authority of States to Enforce the Consumer Financial Protection Act of 2010Summary AvailableThe interpretative rule published on May 26, 2022 is rescinded effective May 15, 2025.
CFPB withdrawal of proposed interpretive rule  – Electronic Funds Transfers (Emerging Payment Mechanisms)Summary AvailableThe Bureau is withdrawing this proposed interpretive rule effective as of May 15, 2025.
CFPB withdrawal of the proposed rule on Harmful Data Broker PracticesSummary AvailableThe Bureau is withdrawing its proposed rule on Harmful Data Broker Practices effective as of May 15, 2025.
Proposed Rule on Prohibited Terms/Conditions in Agreements for Consumer Financial Products/ServicesSummary AvailableThe Bureau will not take any further action on the NPRM at that time and the withdrawal is effective as of May 15, 2025.
January
CFPB Proposed Interpretive Rule/Request for Comment on EFTs Through Accounts Established for Personal, Family or Household Purposes Using Emerging Payment MechanismsSummary Available
CFPB Request for Information Regarding Consumer Credit Card MarketSummary Available
CFPB Request for Information Regarding the Collection, Use, and Monetization of Consumer Payment and Other Personal Financial DataSummary Available

Archive

CFPB Rules and Summaries 2023-2024

CFPB Rules and Summaries 2021-2022

CFPB Rules and Summaries 2020

CFPB Rules and Summaries 2019