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ABA Urges CFPB to Revert 2023 Credit Card Plan Survey Changes

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Summary

The American Bankers Association (ABA) has formally urged the Consumer Financial Protection Bureau (CFPB) to revert changes made to its 2023 credit card plan survey methodology. The ABA's recommendation seeks to restore prior survey parameters for assessing credit card issuer practices and compliance. The CFPB's survey is used to inform regulatory oversight of credit card issuers.

What changed

The American Bankers Association has formally recommended that the CFPB revert modifications to its 2023 credit card plan survey. The ABA contends that the changes to survey parameters may affect how the CFPB assesses credit card issuer practices and compliance.

Affected parties, including banks and credit card issuers, should monitor whether the CFPB responds to or adopts the ABA's recommendation. Any resulting changes to survey methodology could influence how issuer practices are evaluated under federal consumer financial protection requirements. No immediate compliance obligations arise from this recommendation.

What to do next

  1. Monitor for CFPB response to ABA recommendation on credit card survey methodology

Archived snapshot

Apr 11, 2026

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ABA recommends revisions to CFPB credit card plan survey

April 10, 2026 Reading Time: 1 min read The Consumer Financial Protection Bureau should revise a regular survey on credit card plans to undo changes made by the previous administration that didn’t conform with law, the American Bankers Association said in a letter to the bureau.

The CFPB’s Report of Terms of Credit Card Plans was revised in 2023 as part of a larger effort to develop an online comparison tool on card plans for consumers. ABA raised several concerns about the revisions and the tool, the latter of which was taken down shortly after President Trump took office. The association recommended that the CFPB revert the 2023 amendments to the language in place before the changes were made, as the revised information collection requirements went beyond what was required by the Truth in Lending Act.

ABA also requested that the CFPB provide additional guidance for the data to be collected and make the online portal for data collection more user-friendly.

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Classification

Agency
ABA
Instrument
Notice
Legal weight
Non-binding
Stage
Final
Change scope
Minor

Who this affects

Applies to
Banks Insurers
Industry sector
5221 Commercial Banking
Activity scope
Credit card issuance Consumer credit compliance
Geographic scope
United States US

Taxonomy

Primary area
Consumer Finance
Operational domain
Compliance
Compliance frameworks
Dodd-Frank
Topics
Consumer Protection Financial Services

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