Withdrawn Guidance
2025
- Truth in Lending (Regulation Z); Consumer Credit Offered to Borrowers in Advance of Expected Receipt of Compensation for Work, 90 FR 3622 (Jan. 15, 2025); withdrawn on May 12, 2025 .
2024
- Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt, 89 FR 80715 (Oct. 04, 2024); withdrawn on May 12, 2025 .
- Truth in Lending (Regulation Z); Consumer Protections for Home Sales Financed Under Contracts for Deed, 89 FR 68086 (Aug. 23, 2024); withdrawn on May 12, 2025 .
- Fair Credit Reporting; Background Screening, 89 FR 4171 (Jan. 23, 2024); withdrawn on May 12, 2025 .
- Fair Credit Reporting; File Disclosure, 89 FR 4167 (Jan. 23, 2024); withdrawn on May 12, 2025 .
2023
- Consumer Information Requests to Large Banks and Credit Unions, 88 FR 71279 (Oct. 16, 2023); withdrawn on May 12, 2025 .
- Fair Debt Collection Practices Act (Regulation F); Time-Barred Debt, 88 FR 26475 (May 01, 2023); withdrawn on May 12, 2025 .
2022
- Fair Credit Reporting; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports, 87 FR 41243 (July 12, 2022); withdrawn on May 12, 2025 .
- Debt Collection Practices (Regulation F); Pay-to-Pay Fees, 87 FR 39733 (July 05, 2022); withdrawn on May 12, 2025 .
- Equal Credit Opportunity (Regulation B); Revocations or Unfavorable Changes to the Terms of Existing Credit Arrangements, 87 FR 30097 (May 18, 2022); withdrawn on May 12, 2025 .
2021
- Equal Credit Opportunity (Regulation B); Special Purpose Credit Programs , 86 FR 3762 (Jan. 15, 2021).
- Fair Credit Reporting; Name-Only Matching Procedures, 86 FR 62468 (Nov. 10, 2021); withdrawn on May 12, 2025 .
2020
- Truth in Lending (Regulation Z); Earned Wage Access Programs, 85 FR 79404 (Dec. 10, 2020); withdrawn on May 12, 2025 .
- Truth in Lending (Regulation Z); Private Education Loans, 85 FR 79400 (Dec. 10, 2020); withdrawn on May 12, 2025 .
2024
- Truth in Lending (Regulation Z): Use of Digital User Accounts To Access Buy Now, Pay Later Loans, 89 FR 47068 (May 31, 2024); withdrawn on May 12, 2025 .
2022
- Limited Applicability of Consumer Financial Protection Act’s “Time or Space” Exception With Respect to Digital Marketing Providers, 87 FR 50556 (Aug. 17, 2022), withdrawn on May 12, 2025 .
- The Fair Credit Reporting Act's Limited Preemption of State Laws, 87 FR 41042 (July 11, 2022); withdrawn on May 12, 2025 .
- Authority of States To Enforce the Consumer Financial Protection Act of 2010, 87 FR 31940 (May 26, 2022); withdrawn on May 15, 2025 and May 12, 2025 .
2021
- Examinations for Risks to Active-Duty Servicemembers and Their Covered Dependents, 86 FR 32723 (June 23, 2021); withdrawn on May 12, 2025 .
- Equal Credit Opportunity (Regulation B); Discrimination on the Bases of Sexual Orientation and Gender Identity, 86 FR 14363 (Mar. 16, 2021); withdrawn on May 12, 2025 .
2014
- Application of Regulation Z’s Ability to Repay Rule to Certain Situations Involving Successors-in-Interest, 79 FR 41631 (July 17, 2014); withdrawn on May 12, 2025 .
2024
- Consumer Financial Protection Circular 2024-06: Background Dossiers and Algorithmic Scores for Hiring, Promotion, and Other Employment Decisions, 89 FR 88875 (Nov. 12, 2024); withdrawn on May 12, 2025 .
- Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-In Practices, 89 FR 80075 (Oct. 02, 2024); withdrawn on May 12, 2025 .
- Consumer Financial Protection Circular 2024-04: Whistleblower Protections Under CFPA Section 1057, 89 FR 65170 (Aug. 09, 2024); withdrawn on May 12, 2025 .
- Consumer Financial Protection Circular 2024-03: Unlawful and Unenforceable Contract Terms and Conditions, 89 FR 51955 (June 21, 2024); withdrawn on May 12, 2025 .
- Consumer Financial Protection Circular 2024-02: Deceptive Marketing Practices About the Speed or Cost of Sending a Remittance Transfer, 89 FR 27357 (Apr. 17, 2024); withdrawn on May 12, 2025 .
- Consumer Financial Protection Circular 2023-03: Adverse Action Notification Requirements and Proper Use of Sample Forms, 89 FR 27361 (Apr. 17, 2024); withdrawn on May 12, 2025 .
- Consumer Financial Protection Circular 2024-01: Preferencing and Steering Practices by Digital Intermediaries for Consumer Financial Products or Services, 89 FR 17706 (Mar. 12, 2024); withdrawn on May 12, 2025 .
2023
- Consumer Financial Protection Circular 2023-02: Reopening Deposit Accounts That Consumers Previously Closed, 88 FR 33545 (May 24, 2023); withdrawn on May 12, 2025 .
- Statement of Policy Regarding Prohibition on Abusive Acts or Practices, 88 FR 21883 (Apr 12, 2023); withdrawn on May 12, 2025 .
- Bulletin 2023-01: Unfair Billing and Collection Practices After Bankruptcy Discharges of Certain Student Loan Debts, 88 FR 17366 (Mar. 23, 2023); withdrawn on May 12, 2025 .
- Consumer Financial Protection Circular 2023-01: Unlawful Negative Option Marketing Practices, 88 FR 5727 (Jan. 30, 2023); withdrawn on May 12, 2025 .
2022
- Consumer Financial Protection Circular 2022-07: Reasonable Investigation of Consumer Reporting Disputes, 87 FR 71507 (Nov. 23, 2022); withdrawn on May 12, 2025 .
- Bulletin 2022-06: Unfair Returned Deposited Item Fee Assessment Practices, 87 FR 66940 (Nov. 07, 2022); withdrawn on May 12, 2025 .
- Consumer Financial Protection Circular 2022-06: Unanticipated Overdraft Fee Assessment Practices, 87 FR 66935 (Nov. 07, 2022); withdrawn on May 12, 2025 .
- Consumer Financial Protection Circular 2022-05: Debt Collection and Consumer Reporting Practices Involving Invalid Nursing Home Debts, 87 FR 57375 (Sept. 20, 2022); withdrawn on May 12, 2025 .
- Consumer Financial Protection Circular 2022-04: Insufficient Data Protection or Security for Sensitive Consumer Information, 87 FR 54346 (Sept. 06, 2022); withdrawn on May 12, 2025 .
- Consumer Financial Protection Circular 2022-03: Adverse Action Notification Requirements in Connection With Credit Decisions Based on Complex Algorithms, 87 FR 35864 (June 14, 2022); withdrawn on May 12, 2025 .
- Consumer Financial Protection Circular 2022-02: Deceptive Representations Involving the FDIC’s Name or Logo or Deposit Insurance, 87 FR 35866 (June 14, 2022); withdrawn on May 12, 2025 .
- Consumer Financial Protection Circular 2022-01: System of Consumer Financial Protection Circulars to Agencies Enforcing Federal Consumer Financial Law, 87 FR 35868 (June 14, 2022); withdrawn on May 12, 2025 .
- Bulletin 2022-05: Unfair and Deceptive Acts or Practices That Impede Consumer Reviews, 87 FR 17143 (Mar. 28, 2022); withdrawn on May 12, 2025 .
- Bulletin 2022-04: Mitigating Harm From Repossession of Automobiles, 87 FR 11951 (Mar. 03, 2022); withdrawn on May 12, 2025 .
- Bulletin 2022-03: Servicer Responsibilities in Public Service Loan Forgiveness Communications, 87 FR 11286 (Mar. 01, 2022); withdrawn on May 12, 2025 .
- Bulletin 2022-01: Medical Debt Collection and Consumer Reporting Requirements in Connection With the No Surprises Act, 87 FR 3025 (Jan. 20, 2022); withdrawn on May 12, 2025 .
2021
- Bulletin 2021-03: Consumer Reporting of Rental Information, 86 FR 35595 (July 07, 2021); withdrawn on May 12, 2025 .
- Bulletin 2021-02: Supervision and Enforcement Priorities Regarding Housing Insecurity, 86 FR 17897 (Apr. 07, 2021); withdrawn on May 12, 2025 .
2020
- Statement on Supervisory and Enforcement Practices Regarding Electronic Credit Card Disclosures in Light of the COVID-19 Pandemic (June 3, 2020), rescinded on Apr. 01, 2021 .
- Statement of Policy on Supervisory and Enforcement Practices Regarding Regulation Z Billing Error Resolution Timeframes in Light of the COVID-19 Pandemic (May 13, 2020), rescinded on Apr. 01, 2021 .
- Statement on Supervisory and Enforcement Practices Regarding Certain Filing Requirements Under the Interstate Land Sales Full Disclosure Act and Regulation J (Apr. 27, 2020), rescinded on April 01, 2021 .
- Statement on Supervisory and Enforcement Practices Regarding the Remittance Rule in Light of the COVID-19 Pandemic (Apr. 10, 2020); withdrawn on May 12, 2025 .
- Statement of Policy on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act (Apr.1, 2020), rescinded on Apr. 01, 2021 .
- Statement on Bureau Supervisory and Enforcement Response to COVID Pandemic (Mar. 26, 2020), rescinded on Apr. 01, 2021 .
- Statement on Supervisory and Enforcement Practices Regarding Quarterly Reporting Under the Home Mortgage Disclosure Act (Mar. 26, 2020), rescinded on Apr. 01, 2021 .
- Statement of Policy on Supervisory and Enforcement Practices Regarding Bureau Information Collections for Credit Card and Prepaid Account Issuers (Mar. 26, 2020), rescinded on Apr. 01, 2021 .
- Statement of Policy Regarding Prohibition on Abusive Acts or Practices (Jan. 24, 2020),rescinded on Mar. 19, 2021 .
2018
- BCFP Bulletin 2018-01: Changes to types of supervisory communications (Sept. 25, 2018), rescinded by Bulletin 2021-01.
2017
- Policy Guidance on Supervisory and Enforcement Priorities Regarding Early Compliance with the 2016 Amendments to the 2013 Mortgage Rules Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z), 82 FR 29713 (June 30, 2017); withdrawn on May 12, 2025 .
- Compliance Bulletin 2016-03: Detecting and Preventing Consumer Harm From Production Incentives, 82 FR 5541 (Jan. 18, 2017); withdrawn on May 12, 2025 .
2015
- Compliance Bulletin 2015-07: in-person collection of consumer debt (Dec. 16, 2015), withdrawn on May 12, 2025 .
- Bulletin 2015-05: RESPA compliance and marketing services agreements (Oct. 8, 2015), rescinded on Oct. 7, 2020.
- Bulletin 2015-02: Section 8 housing choice voucher homeownership program (May 11, 2015), rescinded in compliance with E.O. 14281 and withdrawn on May 12, 2025 .
2014
- Bulletin 2014-03: Social Security Disability Income Verification, rescinded by EO 14281 .
- Bulletin 2014-02: marketing of credit card promotional APR offers (Sept. 03, 2014), withdrawn on May 12, 2025.
- Bulletin 2014-01: the FCRA’s requirement that furnishers conduct investigations of disputed information (Feb. 27, 2014), withdrawn on May 12, 2025 .
2013
- Bulletin 2013-09: the FCRA’s requirement to investigate disputes and review “all relevant” information provided by consumer reporting agencies (CRAs) about the dispute (Sept. 04, 2013), withdrawn on May 12, 2025 .
- Bulletin 2013-07: Prohibition of unfair, deceptive, or abusive acts or practices in the collection of consumer debts (July 10, 2013), withdrawn on May 12, 2025 .
- Disclosure of Consumer Complaint Data, 78 FR 21218 (Apr. 10, 2013); withdrawn on May 12, 2025 .
- Bulletin 2013-01: indirect auto lending and compliance with the Equal Credit Opportunity Act (Mar. 21, 2013), withdrawn on May 12, 2025 .
2012
- Bulletin 2012-09: the FCRA’s streamlined process requirement for consumers to obtain free annual reports from nationwide specialty consumer reporting agencies (Nov. 29, 2012), withdrawn on May 12, 2025 .
- Bulletin 2012-08 re: remittance rule implementation (Subpart B of Regulation E) (Nov. 27, 2012), withdrawn on May 12, 2025 .
- Bulletin 2012-06: marketing of credit card add-on products (July 18, 2012), withdrawn on May 12, 2025 .
- Disclosure of Certain Credit Card Complaint Data, 77 FR 37558 (Jun. 22, 2012); withdrawn on May 12, 2025 .
- Bulletin 2012-04: lending discrimination (Apr. 18, 2012), withdrawn on May 12, 2025 .
- Bulletin 2012-02: Payments to loan originators based on mortgage transaction terms or conditions under Regulation Z, 12 C.F.R. 1026.36 (Apr. 02, 2012), withdrawn on May 12, 2025 .
2011
- Bulletin 11-3: Ex parte presentations in rulemaking proceedings (Aug 16, 2011); revised by 2017 ex parte policy (Apr. 21, 2017).
- Bulletin 11-2: Interstate Land Sales Full Disclosure Act – Communications with CFPB (July 21, 2011), withdrawn on May 12, 2025
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