Small Business Lending under the Equal Credit Opportunity Act (Regulation B)
The CFPB is issuing this final rule to implement section 1071 of the Dodd-Frank Act, governing small business lending under ECOA and Regulation B.
Final rules
Rules listed here are final rules issued by the CFPB. To identify all the rules related to a single consumer financial product, use the filter tool below.
Types of final rules
Final Rule
Other than interim final rules, this includes all CFPB final rules, including procedural and interpretive rules. Generally, final rules go through notice and comment before issuance.
Interim Final Rule
Under some circumstances, the CFPB may issue final rules without a comment period before issuance. The CFPB may request comment on these rules and may later alter the rules, if necessary.
Advisory Opinion on Revoking or Changing the Terms of Existing Credit Arrangements
The CFPB is issuing this advisory opinion to affirm that the Equal Credit Opportunity Act and Regulation B protect not only those actively seeking credit but also those who sought and have received credit.
Equal Credit Opportunity (Regulation B); Discrimination on the Bases of Sexual Orientation and Gender Identity
The Bureau of Consumer Financial Protection (Bureau) is issuing this interpretive rule to clarify that, with respect to any aspect of a credit transaction, the prohibition against sex discrimination in the Equal Credit Opportunity Act (ECOA) and Regulation B, which implements ECOA, encompasses sexual orientation discrimination and gender identity discrimination, including discrimination based on actual or perceived nonconformity with sex-based or gender-based stereotypes and discrimination based on an applicant’s associations.
Advisory Opinion on Special Purpose Credit Programs
This Advisory Opinion addresses regulatory uncertainty regarding Regulation B, which implements the Equal Credit Opportunity Act, as it applies to certain aspects of special purpose credit programs designed and implemented by for-profit organizations to meet special social needs.
Final Redesigned Uniform Residential Loan Application Status under Regulation B
The Bureau is publishing a Federal Register notice pursuant to section 706(e) of the ECOA concerning the update of the redesigned URLA.
Amendments to Equal Credit Opportunity Act (Regulation B) Ethnicity and Race Information Collection
Amendments to Regulation B (ECOA) to permit flexibility in complying with Regulation C (HMDA) regarding the collection and retention of applicant ethnicity, sex, and race.
Status of New Uniform Residential Loan Application and Collection of Expanded Home Mortgage Disclosure Act Information about Ethnicity and Race in 2017 under Regulation B
Status of New URLA and Collection of Expanded HMDA Information about Ethnicity and Race in 2017 under Regulation B.
Finalization of Interim Final Rules (Subject to Any Intervening Amendments) Under Consumer Financial Protection Laws
Finalization of Interim Final Rules (Subject to Any Intervening Amendments) Under Consumer Financial Protection Laws.
Mortgage Servicing Rules Under the Real Estate Settlement Procedures Act (Regulation X)
Amendments to Regulation X, RESPA regarding mortgage loan servicing.
Amendments to the 2013 Mortgage Rules Under the Equal Credit Opportunity Act (Regulation B), Real Estate Settlement Procedures Act (Regulation X), and the Truth in Lending Act (Regulation Z)
This final rule amends some of the final mortgage rules issued by the Bureau of Consumer Financial Protection (Bureau) in January 2013.
Disclosure and Delivery Requirements for Copies of Appraisals and Other Written Valuations Under the Equal Credit Opportunity Act (Regulation B)
Final rule revising Regulation B to implement an ECOA amendment concerning appraisals and other valuations.
Mortgage Servicing Rules Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)
The Bureau’s Mortgage Servicing Final Rules amend Regulations X and Z.