Small Business Lending Under the 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 May 1, 2026. Document 2026-08494. Updated Nov. 11, 2026.
- What it does
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.
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
3 earlier Federal Register documents under regulation identifier 3170-AB40 since Jan. 1, 2025.
- Nov. 13, 2025 Proposed rule; request for public comment. Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)
- Oct. 2, 2025 Final rule. Small Business Lending Under the Equal Credit Opportunity Act (Regulation B); Extension of Compliance Dates
- June 18, 2025 Interim final rule, request for public comment. Small Business Lending Under the Equal Credit Opportunity Act (Regulation B); Extension of Compliance Dates
- What happens next and when
This final rule is effective on June 30, 2026. The compliance date for the rule is January 1, 2028.
The agency's dates, word for word.
The record as published
| Document number | 2026-08494 |
|---|---|
| Action | Final rule. |
| Agencies | Consumer Financial Protection Bureau |
| Published | May 1, 2026 |
| Effective date | June 30, 2026 |
| Regulation identifier (RIN) | 3170-AB40 |
| Docket | CFPB-2025-0040 |
| Significant (marked in the Federal Register) | Yes |
Source: the Federal Register (public domain). The document in the Federal Register