Data / Federal rules / 2026-08494
Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)
The Consumer Financial Protection Bureau published this final rule in the Federal Register on May 1, 2026. It took effect on June 30, 2026.
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What the agency says
The Consumer Financial Protection Bureau (Bureau or CFPB) is revising certain provisions of Regulation B, subpart B, which implements 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 amending 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 Bureau believes these changes will streamline the rule, reduce complexity for lenders, improve data quality, and advance the purposes of section 1071.
Key facts
- Document number
- 2026-08494
- Type
- Final rule
- Action
- Final rule
- Agency
- Consumer Financial Protection Bureau
- Published
- May 1, 2026
- Takes effect
- June 30, 2026
- Dates
- This final rule is effective on June 30, 2026. The compliance date for the rule is January 1, 2028.
- 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; Reporting and recordkeeping requirements
- Significant
- Yes, under Executive Order 12866
- Pages
- 97
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 |
| 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 |
| 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 May 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.