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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.

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.

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.

Browse all FAQ topics