Home / Agencies / CFPB / 2025-19864
Proposed Rule

Equal Credit Opportunity Act (Regulation B)

Agency
CFPB
Document Number
2025-19864
Published
November 13, 2025
Effective Date
-

Abstract

The Consumer Financial Protection Bureau (Bureau or CFPB) is issuing a proposed rule for public comment that amends provisions related to disparate impact, discouragement of applicants or prospective applicants, and special purpose credit programs under Regulation B, the regulation implementing the Equal Credit Opportunity Act (ECOA or Act). The amendments would facilitate compliance with ECOA by clarifying the obligations imposed by the statute.

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 2025-19864 Federal Register document?
Document 2025-19864 is a Proposed Rule published by the Consumer Financial Protection Bureau in the Federal Register on November 13, 2025. The Consumer Financial Protection Bureau (Bureau or CFPB) is issuing a proposed rule for public comment that amends provisions related to disparate impact, discouragement of applicants or prospective applicants, and special purpose credit programs under Regulation B, the regulation implementing the Equal Credit Opportunity Act (ECOA or Act). The amendments would facilitate compliance with ECOA by clarifying the obligations imposed by the statute. View the original at https://www.federalregister.gov/documents/2025/11/13/2025-19864/equal-credit-opportunity-act-regulation-b.
Is document 2025-19864 an economically significant rule?
No. Document 2025-19864 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

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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)
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Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold
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View all Consumer Financial Protection Bureau rules →

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