Data / Federal rules / 2026-07804
Equal Credit Opportunity Act (Regulation B)
The Consumer Financial Protection Bureau published this final rule in the Federal Register on April 22, 2026. It took effect on July 21, 2026.
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What the agency says
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.
Key facts
- Document number
- 2026-07804
- Type
- Final rule
- Action
- Final rule
- Agency
- Consumer Financial Protection Bureau
- Published
- April 22, 2026
- Takes effect
- July 21, 2026
- Dates
- This final rule is effective July 21, 2026.
- Docket
- Docket No. CFPB-2025-0039
- Regulation ID (RIN)
- 3170-AB54
- Code of Federal Regulations
- 12 CFR 1002
- Topics
- Banks, banking; Civil rights; Consumer protection; Credit; Credit unions; Marital status discrimination; Penalties; Religious discrimination; Reporting and recordkeeping requirements; Savings associations; Sex discrimination
- Significant
- Yes, under Executive Order 12866
- Pages
- 51
Other documents from the Consumer Financial Protection Bureau
| Document | Type | Published |
|---|---|---|
| Request for Information Regarding Promoting Access to Mortgage Credit 2026-13834 | Proposed rule | Jul 9 |
| Financial Data Transparency Act Joint Data Standards 2026-12787 · significant | Final rule | Jun 25 |
| Equal Credit Opportunity (Regulation B); Special Purpose Credit Programs; Rescission 2026-12149 | Final rule | Jun 17 |
| Small Business Lending Under the Equal Credit Opportunity Act (Regulation B) 2026-08494 · significant | Final rule | May 1 |
| Equal Credit Opportunity Act (Regulation B) C1-2025-19864 · significant | Proposed rule | Feb 25 |
| Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold 2026-00087 | Final rule | Jan 7 |
| Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold 2026-00085 | Final rule | Jan 7 |
| Appraisals for Higher-Priced Mortgage Loans Exemption Threshold 2025-22875 | Final rule | Dec 16, 2025 |
Everything from the Consumer Financial Protection Bureau · Rules on banks, banking · Rules on civil rights · Rules on consumer protection · Published in April 2026
Read from the Federal Register API, last updated 2026-10-23. The document on federalregister.gov is the official record; dates and dockets can change through later corrections. Free to reuse with credit to SpecStream under CC BY 4.0.