Buy Now, Pay Later (BNPL) products
Resources to help industry participants understand, implement, and comply with the applicable requirements in Regulation Z for BNPL products.
Featured topic
On Sept. 18, 2024, the CFPB issued FAQs that provide guidance on applying Regulation Z requirements to Pay-in-Four BNPL products that are accessed through a digital user account.
Rules related to credit cards
Sign up for updates on credit card rule implementation.
Rule
Browse the 2024 BNPL interpretive rule to see specific guidance related to Regulation Z.
Regulations and official interpretations
Browse Regulation Z (12 CFR 1026) on: Interactive Bureau Regulations | eCFR
Main BNPL provisions and official interpretations can be found in:
- §§ 1026.1 through 1026.4, General requirements
- §$ 1026.5 through 1026.13, Various credit card requirements
- § 1026.16, Advertising
- §§ 1026.25 through 1026.30
- § 1026.60, Credit and charge card applications and solicitations
- Appendix to Part 1026
- Supplement I to Part 1026 (including official interpretations for the above provisions)
FAQs
The CFPB provides a list of commonly asked questions and answers on particular topics to assist in understanding and complying with Regulation Z requirements applicable to BNPL products.