CFPB Rulemaking: Auto Financing, Debt Collection, Consumer Reporting
Summary
The CFPB is considering new rules to define larger participants in the automobile financing, consumer debt collection, and international money transfer markets. These actions are part of the Bureau's rulemaking process to address key consumer financial markets.
What changed
The Consumer Financial Protection Bureau (CFPB) is initiating rulemaking processes to potentially amend the criteria for defining larger participants in the automobile financing, consumer debt collection, and international money transfer markets. These actions are currently in the 'Advance Notice of Proposed Rulemaking' stage, indicating the CFPB is seeking initial public input on key aspects before developing formal proposals. The specific dates mentioned (DEC 11, 2025) appear to be related to internal CFPB timelines or potential future actions rather than immediate compliance deadlines.
Regulated entities in these sectors should monitor the CFPB's 'Notice and Opportunities for Comment' page for forthcoming opportunities to provide input. While no immediate compliance actions are required, understanding the potential shifts in 'larger participant' status is crucial for strategic planning. The CFPB's stated goal is to address issues within these consumer financial markets, and the outcomes of these consultations will form the basis for future final rules, which will likely impose new obligations or clarify existing ones for affected businesses.
What to do next
- Monitor the CFPB's 'Notice and Opportunities for Comment' page for upcoming consultation periods.
- Review the scope of potential 'larger participant' definitions in auto financing, debt collection, and international money transfers.
- Prepare to submit comments during public consultation phases to influence potential rule changes.
Source document (simplified)
Rules under development
Before issuing a final rule, the CFPB generally announces and explains its proposals to address an issue and invites public comment.
You can find all notices requesting public comment on our comprehensive “Notice and Opportunities for Comment” page.
Types of rules listed on this page
Proposed Rule
A proposed rule announces and explains the Bureau’s proposal to address an issue and invites the public to comment. The proposed rule and the public comments received on it form the basis of the final rule.
Advanced Notice of Proposed Rulemaking
An optional early step in CFPB rulemaking. Used to get initial public input on certain key aspects of potential rulemakings.
Filter rules under development Search by keyword(s) Category Advance notice of proposed rulemaking Proposed rule Topics Access to credit Arbitration Auto loans Banking Business loans Call for evidence Checking account Civil Penalty Fund Compliance Credit CARD Act Credit cards Credit reports and scores Credit unions Data Debit cards Debt collection Deceptive practices Disasters and emergencies Discrimination Electronic payments Enforcement Equal Credit Opportunity Act Fair Credit Reporting Act Fair Debt Collection Practices Act Fair lending Financial education Financial service providers FOIA Foreclosure Home Mortgage Disclosure Act Identity theft and fraud Innovation Junk fees Medical debt Military Lending Act Money transfers Mortgages Mortgage servicing Overdraft Payday loans Privacy Real Estate Settlement Procedures Act (RESPA) Redlining Regulation B Regulation E Regulation V Remittances Reverse mortgages Rulemaking Servicemembers Small dollar lending Student loans Supervision Truth in Lending Act (TILA) UDAAPs Virtual currency Date range From: To: Apply filters Clear filters 53 filtered results
Advance notice of proposed rulemaking
DEC 11, 2025
Defining Larger Participants of the Automobile Financing Market
The CFPB is considering issuing a proposal to amend the test for determining larger participant status in the automobile financing market.
- Auto loans
- Call for evidence
- Rulemaking
- Supervision
Advance notice of proposed rulemaking
DEC 11, 2025
Defining Larger Participants of the Consumer Debt Collection Market
The CFPB is considering issuing a proposal to amend the test for determining larger participant status in the consumer debt collection market.
- Call for evidence
- Debt collection
- Rulemaking
- Supervision
Advance notice of proposed rulemaking
DEC 11, 2025
Defining Larger Participants of the International Money Transfer Market
The CFPB is considering issuing a proposal to amend the test for determining larger participant status in the international money transfer market.
- Call for evidence
- Money transfers
- Remittances
- Rulemaking
- Supervision
Proposed rule
DEC 11, 2025
Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; Proposed Rescission
The CFPB is proposing to rescind its rule establishing a registry of certain final public orders applicable to certain nonbank covered persons.
- Call for evidence
- Rulemaking
- Supervision
Advance notice of proposed rulemaking
DEC 11, 2025
Defining Larger Participants of the Consumer Reporting Market
The CFPB is considering issuing a proposal to amend the test for determining larger participant status in the consumer reporting market.
- Call for evidence
- Credit reports and scores
- Rulemaking
- Supervision
Proposed rule
NOV 13, 2025
Small Business Lending Data Collection under the Equal Credit Opportunity Act (Regulation B)
CFPB is reconsidering coverage of certain transactions and financial institutions, small business definition, inclusion of certain data points and manner of collection, and compliance date.
- Access to credit
- Business loans
- Data
- Discrimination
- Equal Credit Opportunity Act
- Fair lending
- Redlining
- Regulation B
- Rulemaking
Proposed rule
NOV 13, 2025
Equal Credit Opportunity Act (Regulation B)
CFPB issues Notice of Proposed Rulemaking (NPRM) for Regulation B (ECOA). The NPRM would amend provisions related to disparate impact, discouragement, and special purpose credit programs.
- Access to credit
- Discrimination
- Equal Credit Opportunity Act
- Fair lending
- Redlining
- Regulation B
- Rulemaking
Proposed rule
AUG 26, 2025
Legal Standard Applicable to Supervisory Designation Proceedings
The CFPB is proposing to adopt a standard definition of “risks to consumers with regard to the offering or provision of consumer financial products or services.”
- Rulemaking
- Supervision
Advance notice of proposed rulemaking
AUG 21, 2025
Personal Financial Data Rights Reconsideration
Advance Notice of Proposed Rulemaking to inform reconsideration of open-banking issues in the Personal Financial Data Rights Rule (PFDR Rule) implementing section 1033.
- Banking
- Innovation
- Rulemaking
Proposed rule
JUN 18, 2025
Consumer Financial Civil Penalty Fund Rule Amendment
The CFPB is proposing to revise its 2013 rule articulating procedures for allocations from the Civil Penalty Fund to rescind procedures related to allocations for consumer education and financial literacy programs.
- Civil Penalty Fund
- Financial education
Proposed rule
JAN 13, 2025
Prohibited Terms and Conditions in Agreements for Consumer Financial Products or Services (Regulation AA)
Proposed rule prohibiting certain terms and conditions in agreements for consumer financial products or services.
- Banking
- Financial service providers
- Rulemaking
- UDAAPs
Proposed rule
JAN 10, 2025
Electronic Fund Transfers Through Accounts Established Primarily for Personal, Family, or Household Purposes Using Emerging Payment Mechanisms (Electronic Fund Transfer Act; Regulation E)
Proposed Rule related to digital assets operating as a medium of exchange or payment in accounts established primarily for personal, family, or household purposes.
- Money transfers
- Regulation E
- Virtual currency
Advance notice of proposed rulemaking
DEC 09, 2024
Fair Credit Reporting Act (Regulation V); Identity Theft and Coerced Debt
The Consumer Financial Protection Bureau (CFPB) is seeking information in advance of preparing a proposed rule to address concerns related to information furnished to credit bureaus and other consumer reporting agencies concerning coerced debt.
- Credit reports and scores
- Identity theft and fraud
Proposed rule
DEC 03, 2024
Protecting Americans from Harmful Data Broker Practices (Regulation V)
The CFPB proposes to amend Regulation V, which implements the FCRA, to protect consumer information in the consumer reporting marketplace, including information sold by data brokers.
- Access to credit
- Credit reports and scores
- Fair Credit Reporting Act
- Regulation V
- Rulemaking
Proposed rule
SEP 20, 2024
Remittance Transfers Under the Electronic Fund Transfer Act (Regulation E)
The CFPB proposes a narrowly tailored amendment to Regulation E to ensure that consumers sending a remittance transfer have information about the types of inquiries that may be most efficient to direct to the CFPB and the State agency that licenses or charters their remittance transfer provider.
- Electronic payments
- Money transfers
- Regulation E
- Rulemaking
Proposed rule Request for comment or information
JUL 30, 2024
Financial Data Transparency Act Joint Data Standards
The CFPB is seeking public comment on an interagency proposed rule establishing data standards to promote interoperability of financial regulatory data across these agencies.
- Rulemaking
Proposed rule Request for comment or information
JUL 18, 2024
Consumer Credit Offered to Borrowers in Advance of Expected Receipt of Compensation for Work
The Consumer Financial Protection Bureau (CFPB) is proposing this interpretive rule to help participants in the market for paycheck advance products determine when certain existing requirements under Federal law are triggered. The proposed interpretive rule also addresses certain costs that are in substantial connection with extensions of such credit, such as expedited delivery fees and costs marketed as “tips.”
- Financial service providers
- Innovation
- Small dollar lending
- Truth in Lending Act (TILA)
Proposed rule
JUL 10, 2024
Streamlining Mortgage Servicing for Borrowers Experiencing Payment Difficulties (Regulation X)
This proposed rule amending Regulation X would, among other things, streamline existing requirements when borrowers seek payment assistance in times of distress, add safeguards when borrowers seek help, and revise existing requirements with respect to borrower assistance.
- Call for evidence
- Credit reports and scores
- Foreclosure
- Mortgage servicing
- Mortgages
- Rulemaking
Proposed rule
JUN 11, 2024
Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)
The CFPB is seeking public comment on a proposed rule amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), concerning medical information.
- Access to credit
- Credit cards
- Credit reports and scores
- Fair Credit Reporting Act
- Medical debt
- Mortgages
- Regulation V
Proposed rule
JAN 17, 2024
Overdraft Lending: Very Large Financial Institutions Proposed Rule
The CFPB proposes to amend Regulations E and Z to update regulatory exceptions for overdraft credit provided by very large financial institutions.
- Credit cards
- Debit cards
- Electronic payments
- Junk fees
- Overdraft
- Rulemaking
- Small dollar lending
Proposed rule
OCT 19, 2023
Required Rulemaking on Personal Financial Data Rights
CFPB Issues Required Rulemaking on Personal Financial Data Rights (CFPA section 1033)
- Banking
- Checking account
- Credit cards
- Data
- Debit cards
- Electronic payments
- Privacy
- Rulemaking
Proposed rule
JUN 01, 2023
Quality Control Standards for Automated Valuation Models
The proposed rule would implement quality control standards for the use of automated valuation models by mortgage originators and secondary market issuers in determining the collateral worth of a mortgage secured by a consumer’s principal dwelling.
- Mortgages
Proposed rule
MAY 01, 2023
Residential Property Assessed Clean Energy Financing (Regulation Z)
The Bureau proposes to address how the Truth in Lending Act applies to Property Assessed Clean Energy (PACE) financing transactions to account for the unique nature of PACE.
- Mortgages
- Rulemaking
- Truth in Lending Act (TILA)
Proposed rule
JAN 11, 2023
Registry of Supervised Nonbanks that Use Form Contracts to Impose Terms and Conditions That Seek to Waive or Limit Consumer Legal Protections
The Bureau is proposing to establish a public registry for nonbanks subject to the Bureau’s supervisory authority that use covered terms or conditions, as described in the proposed rule, in a new part 1092 in title 12 of the Code of Federal Regulations.
- Arbitration
- Auto loans
- Call for evidence
- Compliance
- Data
- Deceptive practices
- Enforcement
- Financial service providers
- Foreclosure
- Medical debt
- Military Lending Act
- Mortgage servicing
- Mortgages
- Payday loans
- Rulemaking
- Servicemembers
- Small dollar lending
- Student loans
- Supervision
Advance notice of proposed rulemaking
JUN 22, 2022
Regarding Credit Card Late Fees and Late Payments
The CFPB is seeking information on credit card late fees and late payments, and card issuers’ revenue and expenses.
- Credit CARD Act
- Credit cards
Page last modified
Jul. 30, 2020
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03:48 PM EDT
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