Home / Agencies / CFPB / 2023-06719
Final Rule

Truth in Lending; Determination of Effect on State Laws (California, New York, Utah, and Virginia)

Agency
CFPB
Document Number
2023-06719
Published
March 31, 2023
Effective Date
-

Abstract

After considering public comments, the Consumer Financial Protection Bureau (CFPB) has determined that commercial financing disclosure laws in California, New York, Utah, and Virginia are not preempted by the Truth in Lending Act.

Federal Register Source

This document is published by the Office of the Federal Register, National Archives and Records Administration. Access the full regulatory text, preamble, and docket comments below.

View Full Text on FederalRegister.gov →

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Frequently Asked Questions

What is the 2023-06719 Federal Register document?
Document 2023-06719 is a Final Rule published by the Consumer Financial Protection Bureau in the Federal Register on March 31, 2023. After considering public comments, the Consumer Financial Protection Bureau (CFPB) has determined that commercial financing disclosure laws in California, New York, Utah, and Virginia are not preempted by the Truth in Lending Act. View the original at https://www.federalregister.gov/documents/2023/03/31/2023-06719/truth-in-lending-determination-of-effect-on-state-laws-california-new-york-utah-and-virginia.
Is document 2023-06719 an economically significant rule?
No. Document 2023-06719 is not classified as economically significant under Executive Order 12866. Economically significant rules require OIRA review and are estimated to have impacts of $100 million or more per year.

Other Rules from CFPB

Equal Credit Opportunity (Regulation B); Special Purpose Credit Programs; Rescission
Final Rule · Jun 2026
Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)
Final Rule · May 2026
Equal Credit Opportunity Act (Regulation B)
Final Rule · Apr 2026
Equal Credit Opportunity Act (Regulation B)
Proposed · Feb 2026
Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold
Final Rule · Jan 2026
Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold
Final Rule · Jan 2026
View all Consumer Financial Protection Bureau rules →

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