Home / Agencies / CFPB / 2026-07804
Final Rule

Equal Credit Opportunity Act (Regulation B)

Agency
CFPB
Document Number
2026-07804
Published
April 22, 2026
Effective Date
July 21, 2026

Abstract

The Consumer Financial Protection Bureau (Bureau or CFPB) is issuing a final rule 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 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 2026-07804 Federal Register document?
Document 2026-07804 is a Final Rule published by the Consumer Financial Protection Bureau in the Federal Register on April 22, 2026, with an effective date of July 21, 2026. The Consumer Financial Protection Bureau (Bureau or CFPB) is issuing a final rule 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 facilitate compliance with ECOA by clarifying the obligations imposed by the statute. View the original at https://www.federalregister.gov/documents/2026/04/22/2026-07804/equal-credit-opportunity-act-regulation-b.
Is document 2026-07804 an economically significant rule?
No. Document 2026-07804 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.

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