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Promoting openness in CFPB rulemaking


Public participation is essential to CFPB’s rulemaking process. We firmly believe that input from consumers, industry, and other interested parties will help make our rules more efficient and effective. To promote openness and transparency, CFPB has adopted a policy governing ex parte presentations. This policy generally requires public disclosure of ex parte presentations made to CFPB staff concerning a pending rulemaking. This way, the general public will have access to the input that CFPB is receiving.

At the beginning of a rulemaking process, CFPB staff will typically receive suggestions and information from a variety of stakeholders. This input will help inform the drafting of a proposed rule. For example, the CFPB is currently gathering public input on mortgage disclosure forms in its “Know Before You Owe” project and on how to define a “larger participant” for its non-bank supervision program. The ex parte policy does not apply during this stage of the process, which is before a rule has been proposed.

Once the CFPB publishes a proposed rule in the Federal Register or on the CFPB’s website, the ex parte policy comes into play. The policy also comes into play when the CFPB publishes an interim final rule with a request for comment. During this stage, the primary way CFPB collects public input is through written comments that are posted on the public rulemaking docket. (Our Federal Register notices explain how to submit comments. The most efficient way is on

However, during this stage, members of the public may wish to provide oral or written comments directly to CFPB staff regarding the rulemaking, or CFPB staff may wish to obtain information directly from members of the public. The input CFPB receives in this manner is considered ex parte because it is outside of or in addition to the formal comment process. The CFPB’s policy requires that these ex parte presentations be summarized and disclosed on the public docket. In this way, members of the public can be informed of the input CFPB is receiving. This policy recognizes that ex parte communications can be a valuable source of information that can improve the quality of CFPB’s rulemaking. At the same time, the policy recognizes the need for disclosure to promote openness and fairness.

The ex parte policy applies to communications that occur until a final rule is published or a rulemaking is terminated. The policy addresses the procedures and deadlines for preparing summaries of ex parte presentations. The policy also explains certain circumstances in which disclosure is not required. For example, questions to CFPB staff about procedural issues – such as how to submit comments or when the comment period closes – do not require disclosure. And, with certain exceptions, comments by other members of the federal government do not require disclosure.

It is our expectation that this ex parte policy will help ensure that CFPB’s rulemaking process is both open and effective. We anticipate that we will adjust the policy as needed over time, and we encourage any feedback members of the public may have.

  • Larryschmitz

    If the purpose of exparte disclosure is to have “open” government, why are comments from other government agencies and congress and it staff exempt from disclosure (see Section (e) (1) of the CFPB bulletin 11-3)???

    This very onerous section would seem to assure that the public will not know what “goes on behind closed doors” (as happened with Obamacare).

    I think the average citizen is now aware, more than ever, of the influence that outside lobbists and other politicans have over what is ultimately decided.

    The aforementioned section should be modified to ONLY exempt opinions, advice and correspondence from CFPB’s General Counsel.

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