CFPB - Mortgage Advertising Regulation N Comment Request

Regs.gov: Consumer Financial Protection Bureau

Detected March 21st, 2026

Summary

The Consumer Financial Protection Bureau (CFPB) is requesting the Office of Management and Budget's (OMB) reinstatement of an information collection titled 'Mortgage Acts and Practices—Advertising (Regulation N)'. This notice seeks public comment on the necessity, utility, accuracy, and burden of the collection, which requires mortgage lenders to retain advertising records for 24 months.

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What changed

The Consumer Financial Protection Bureau (CFPB) has issued a notice and request for comment regarding the reinstatement of an information collection under the Paperwork Reduction Act (PRA) for "Mortgage Acts and Practices—Advertising (Regulation N)" (12 CFR part 1014). This regulation prohibits misrepresentations in mortgage advertising and requires record retention for 24 months. The CFPB is seeking OMB approval for this information collection, identified by OMB Control Number 3170-0009.

Covered entities, primarily businesses in the mortgage sector, are encouraged to submit written comments by April 20, 2026. The CFPB is soliciting feedback on the necessity, accuracy of burden estimates, utility, and clarity of the information collection, as well as ways to minimize the burden on respondents. This is a reinstatement of an existing collection, not a new rule, and the comments will inform OMB's review. The previous Federal Register notice was published on December 9, 2025 (90 FR 57035) under Docket Number: CFPB-2025-0043.

What to do next

Submit written comments on the information collection by April 20, 2026.

Source document (simplified)

Content

ACTION:

Notice and request for comment.

SUMMARY:

In accordance with the Paperwork Reduction Act of 1995 (PRA), the Consumer Financial Protection Bureau (CFPB or Bureau) requests
the Office of Management and Budget's (OMB's) reinstatement of an information collection titled “Mortgage Acts and Practices—Advertising
(Regulation N)” approved under OMB Control Number 3170-0009.

DATES:

Written comments are encouraged and must be received on or before April 20, 2026 to be assured of consideration.

ADDRESSES:

Written comments and recommendations for the proposed information collection should be sent within 30 days of publication
of this notice to www.reginfo.gov/public/do/PRAMain. Find this particular information collection by selecting “Currently under 30-day Review—Open for Public Comments” or by using
the search function. In general, all comments received will become public records, including any personal information provided.
Sensitive personal information, such as account numbers or Social Security numbers, should not be included.

FOR FURTHER INFORMATION CONTACT:

Requests for additional information should be directed to Anthony May, Paperwork Reduction Act Officer, at (202) 435-7278,
or email: CFPB_PRA@cfpb.gov. If you require this document in an alternative electronic format, please contact CFPB_Accessibility@cfpb.gov. Please do not submit comments to these email boxes.

SUPPLEMENTARY INFORMATION:

Title of Collection: Mortgage Acts and Practices—Advertising (Regulation N).

OMB Control Number: 3170-0009.

Type of Review: Reinstatement of an information collection.

Affected Public: Private sector: businesses or other for-profits.

Estimated Number of Respondents: 483.

Estimated Total Annual Burden Hours: 242.

Abstract: Regulation N (12 CFR part 1014) prohibits misrepresentations about the terms of mortgage credit products in commercial communications
and requires that covered persons keep certain related records for a period of twenty-four (24) months from last dissemination.
The information that Regulation N requires covered persons to retain is necessary to ensure efficient and effective law enforcement
to address deceptive practices that occur in the mortgage advertising area.

Request for Comments: The CFPB published a 60-day
Federal Register
notice on December 9, 2025 (90 FR 57035), under Docket Number: CFPB-2025-0043. The CFPB is publishing this notice and soliciting
comments on: (a) Whether the collection of information is necessary for the proper performance of the functions of the CFPB,
including whether the information will have practical utility; (b) The accuracy of the CFPB's estimate of the burden of the
collection of information, including the validity of the methods and the assumptions used; (c) Ways to enhance the quality,
utility, and clarity of the information to be collected; and (d) Ways to minimize the burden of the collection of information
on respondents, including through the use of automated collection techniques or other forms of information technology. Comments
submitted in response to this notice will be reviewed by OMB as part of its review of this request. All comments will become
a matter of public record.

Anthony May, Paperwork Reduction Act Officer, Consumer Financial Protection Bureau. [FR Doc. 2026-05515 Filed 3-19-26; 8:45 am] BILLING CODE 4810-AM-P