Equal Credit Opportunity Act (Regulation B)
Built by the Tribune's code from the Federal Register. No AI wrote this page. Published in the Federal Register April 22, 2026. Document 2026-07804. Updated Nov. 12, 2026.
- What it does
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.
The Consumer Financial Protection Bureau's summary, as published in the Federal Register.
- What changed in the regulation
1 part of Title 12 of the Code of Federal Regulations:
Wording on eCFR: the day before it took effect and from the day it took effect (first part listed).
- Compared with
The Consumer Financial Protection Bureau has published 5 final rules in 2026 so far, compared with 16 in all of 2025.
Counted by the Tribune from Federal Register records since Jan. 1, 2025.
- Before this
2 earlier Federal Register documents under regulation identifier 3170-AB54 since Jan. 1, 2025.
- What happens next and when
This final rule is effective July 21, 2026.
The agency's dates, word for word.
The record as published
| Document number | 2026-07804 |
|---|---|
| Action | Final rule. |
| Agencies | Consumer Financial Protection Bureau |
| Published | April 22, 2026 |
| Effective date | July 21, 2026 |
| Regulation identifier (RIN) | 3170-AB54 |
| Docket | CFPB-2025-0039 |
| Significant (marked in the Federal Register) | Yes |
Source: the Federal Register (public domain). The document in the Federal Register