CFPB Seeks Comments on Mortgage Ad Information Collection
Published Date: 12/9/2025
Notice
Summary
The Consumer Financial Protection Bureau wants to keep collecting info about mortgage ads to make sure businesses tell the truth about loan terms. This affects about 483 companies who’ll spend around 242 hours a year on paperwork. You’ve got until February 9, 2026, to share your thoughts—no cost changes, just keeping the rules rolling smoothly!
Analyzed Economic Effects
2 provisions identified: 1 benefits, 1 costs, 0 mixed.
Mortgage Advertiser Paperwork Burden
The CFPB seeks to reinstate its information collection under Regulation N that affects about 483 businesses, which the agency estimates will spend a total of 242 hours per year on related paperwork. Covered businesses must keep certain advertising records for 24 months from last dissemination; comments are due by February 9, 2026.
Recordkeeping Supports Consumer Enforcement
Regulation N prohibits misrepresentations in mortgage advertising and requires covered persons to retain related records for 24 months. The CFPB says collecting these records is necessary to ensure efficient and effective law enforcement to address deceptive practices in mortgage ads.
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