CFPB Renews Developer Subdivision Data Collection Effort
Published Date: 12/9/2025
Notice
Summary
The Consumer Financial Protection Bureau wants to keep collecting info from land developers who sell big subdivisions (100+ lots). This helps make sure buyers get the full story before they buy or lease land. If you’re a business in this game, you’ve got until February 9, 2026, to share your thoughts—no cost changes, just keeping the paperwork rolling smoothly.
Analyzed Economic Effects
4 provisions identified: 1 benefits, 3 costs, 0 mixed.
Developers must register 100+ lot subdivisions
If you are a business that sells or leases subdivisions of 100 or more non-exempt lots, you must register those subdivisions with the Consumer Financial Protection Bureau under the Interstate Land Sales Full Disclosure Act (ILSA) before selling or leasing. The requirement references 15 U.S.C. 1703–1704 and the CFPB's information collection (OMB Control Number 3170-0012).
Buyers must receive a property report disclosure
If you buy or lease a lot in a subdivision of 100 or more non-exempt lots, the developer must give you a disclosure document called a property report. The requirement to provide a property report is part of ILSA (15 U.S.C. 1703–1704).
CFPB may investigate noncompliant developers
The CFPB states it investigates developers who are not in compliance with ILSA and its implementing regulations. Developers who fail to comply with registration or disclosure obligations may be subject to Bureau investigation.
Paperwork burden estimated for developers
The CFPB estimates this information collection will involve 197 respondents and a total of 3,412 annual burden hours. This is the Bureau's estimate of the paperwork time businesses will spend each year responding to the collection.
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