Data / Federal rules / 2025-19865
Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)
The Consumer Financial Protection Bureau published this proposed rule in the Federal Register on November 13, 2025. Comments closed on December 15, 2025.
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What the agency says
The Consumer Financial Protection Bureau (CFPB or Bureau) proposes revisions to certain provisions of Regulation B, subpart B, implementing changes to the Equal Credit Opportunity Act made by section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. The Bureau is reconsidering coverage of certain credit transactions and financial institutions; the small business definition; inclusion of certain data points and how others are collected; and the compliance date. The CFPB believes these proposed changes would streamline the rule, reduce complexity for lenders, and improve data quality, advancing the purposes of section 1071 and complying with recent executive directives.
Key facts
- Document number
- 2025-19865
- Type
- Proposed rule
- Action
- Proposed rule; request for public comment
- Agency
- Consumer Financial Protection Bureau
- Published
- November 13, 2025
- Comments due
- December 15, 2025
- Dates
- Comments must be received on or before December 15, 2025.
- Docket
- Docket No. CFPB-2025-0040
- Regulation ID (RIN)
- 3170-AB40
- Code of Federal Regulations
- 12 CFR 1002
- Topics
- Banks, banking; Civil rights; Consumer protection; Credit; Credit unions; Marital status discrimination; Penalties
- Significant
- Yes, under Executive Order 12866
- Pages
- 60
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) 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 |
| Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold 2026-00085 | Final rule | Jan 7 |
Everything from the Consumer Financial Protection Bureau · Rules on banks, banking · Rules on civil rights · Rules on consumer protection · Published in November 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.