Advisory Opinion program
The Bureau’s Advisory Opinion program provides written guidance to assist regulated entities to better understand their legal and regulatory obligations through advisory opinions.
Parties may submit requests for advisory opinions regarding any issue under the Bureau’s purview that can be resolved through an interpretive rule.
General regulatory implementation
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Purpose of the program
The Advisory Opinion program provides a mechanism through which the Bureau can carry out its statutory purposes and objectives by better enabling compliance.
Policy and related documents
Final Advisory Opinions Policy
Advisory opinions
Truth in Lending (Regulation Z); Non-application to Earned Wage Access Products – December 23, 2025
Truth in Lending (Regulation Z); Consumer Credit Offered to Borrowers in Advance of Expected Receipt of Compensation for Work – January 15, 2025 (withdrawn on May 12, 2025 )
Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt – October 4, 2024 (withdrawn on May 12, 2025 )
Truth in Lending (Regulation Z); Consumer Protections for Home Sales Financed Under Contracts for Deed – August 23, 2024 (withdrawn on May 12, 2025 )
Fair Credit Reporting; Background Screening – January 23, 2024 (withdrawn on May 12, 2025 )
Fair Credit Reporting; File Disclosure – January 23, 2024 (withdrawn on May 12, 2025 )
Consumer Information Requests to Large Banks and Credit Unions – October 16, 2023 (withdrawn on May 12, 2025 )
Fair Debt Collection Practices Act (Regulation F); Time-Barred Debt – May 1, 2023 (withdrawn on May 12, 2025 )
Real Estate Settlement Procedures Act (Regulation X); Digital Mortgage Comparison-Shopping Platforms and Related Payments to Operators – February 13, 2023
Fair Credit Reporting; Facially False Data – October 26, 2022
Fair Credit Reporting; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports – July 12, 2022 (withdrawn on May 12, 2025 )
Debt Collection Practices (Regulation F); Pay-to-Pay Fees – July 5, 2022 (withdrawn on May 12, 2025 )
Equal Credit Opportunity (Regulation B); Revocations or Unfavorable Changes to the Terms of Existing Credit Arrangements – May 18, 2022 (withdrawn on May 12, 2025 )
Fair Credit Reporting; Name-Only Matching Procedures – November 10, 2021 (withdrawn on May 12, 2025 )
Equal Credit Opportunity (Regulation B) Special Purpose Credit Programs – January 15, 2021
Truth in Lending (Regulation Z); Earned Wage Access Programs – December 10, 2020 (withdrawn on May 12, 2025 )
Truth in Lending (Regulation Z); Private Education Loans – December 10, 2020 (withdrawn on May 12, 2025 )
Submit a request for an advisory opinion
Submit your request for an advisory opinion to advisoryopinion@cfpb.gov. Requests will be reviewed on a rolling basis.