Data / Federal rules / 2025-00633
Prohibited Terms and Conditions in Agreements for Consumer Financial Products or Services (Regulation AA)
The Consumer Financial Protection Bureau published this proposed rule in the Federal Register on January 14, 2025. Comments closed on April 1, 2025.
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What the agency says
The Consumer Financial Protection Bureau (CFPB) is proposing to prohibit certain contractual provisions in agreements for consumer financial products or services. The proposal would prohibit covered persons from including in their contracts any provisions purporting to waive substantive consumer legal rights and protections (or their remedies) granted by State or Federal law. The proposal would also prohibit contract terms that limit free expression, including with threats of account closure, fines, or breach of contract claims, as well as other contract terms. The proposal would also codify certain longstanding prohibitions under the Federal Trade Commission's (FTC) Credit Practices Rule.
Key facts
- Document number
- 2025-00633
- Type
- Proposed rule
- Action
- Proposed rule; request for comment
- Agency
- Consumer Financial Protection Bureau
- Published
- January 14, 2025
- Comments due
- April 1, 2025
- Dates
- Comments must be received on or before April 1, 2025.
- Docket
- Docket No. CFPB-2025-0002
- Regulation ID (RIN)
- 3170-AB23
- Code of Federal Regulations
- 12 CFR 1027
- Topics
- Banks, banking; Consumer protection; Credit unions; Savings associations
- Pages
- 31
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| Small Business Lending Under the Equal Credit Opportunity Act (Regulation B) 2026-08494 · significant | Final rule | May 1 |
| Equal Credit Opportunity Act (Regulation B) 2026-07804 · significant | Final rule | Apr 22 |
| 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 |
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Everything from the Consumer Financial Protection Bureau · Rules on banks, banking · Rules on consumer protection · Rules on credit unions · Published in January 2025
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.