Home / Agencies / CFPB / 2025-00381
Final Rule

Truth in Lending (Regulation Z); Consumer Credit Offered to Borrowers in Advance of Expected Receipt of Compensation for Work

Agency
CFPB
Document Number
2025-00381
Published
January 15, 2025
Effective Date
-

Abstract

The Consumer Financial Protection Bureau (CFPB) is issuing this advisory opinion to rescind an advisory opinion it issued in November 2020 that described how one particular type of "earned wage" product does not involve the offering or extension of "credit" as that term is defined in the Truth in Lending Act and Regulation Z.

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 2025-00381 Federal Register document?
Document 2025-00381 is a Final Rule published by the Consumer Financial Protection Bureau in the Federal Register on January 15, 2025. The Consumer Financial Protection Bureau (CFPB) is issuing this advisory opinion to rescind an advisory opinion it issued in November 2020 that described how one particular type of "earned wage" product does not involve the offering or extension of "credit" as that term is defined in the Truth in Lending Act and Regulation Z. View the original at https://www.federalregister.gov/documents/2025/01/15/2025-00381/truth-in-lending-regulation-z-consumer-credit-offered-to-borrowers-in-advance-of-expected-receipt-of.
Is document 2025-00381 an economically significant rule?
No. Document 2025-00381 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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