Data / Federal rules / 2025-00381
Truth in Lending (Regulation Z); Consumer Credit Offered to Borrowers in Advance of Expected Receipt of Compensation for Work
The Consumer Financial Protection Bureau published this final rule in the Federal Register on January 15, 2025.
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What the agency says
The Consumer Financial Protection Bureau (CFPB) is issuing this advisory opinion to rescind an advisory opinion it issued in November 2020 that described how one particular type of "earned wage" product does not involve the offering or extension of "credit" as that term is defined in the Truth in Lending Act and Regulation Z.
Key facts
- Document number
- 2025-00381
- Type
- Final rule
- Action
- Advisory opinion rescinding previous advisory opinion
- Agency
- Consumer Financial Protection Bureau
- Published
- January 15, 2025
- Dates
- This advisory opinion is applicable January 15, 2025.
- Docket
- Docket No. CFPB-2024-0032
- Code of Federal Regulations
- 12 CFR 1026
- Pages
- 3
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 · 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.