CFPB Tests If Loans Confuse You Less Now?
Published Date: 1/21/2026
Notice
Summary
The Consumer Financial Protection Bureau is asking for public feedback on a new survey to test if updated mortgage disclosure forms help people understand their loans better. This affects about 2,000 everyday folks and aims to make loan info clearer without costing extra time or money. Comments are welcome until February 20, 2026, so jump in and share your thoughts!
Analyzed Economic Effects
2 provisions identified: 1 benefits, 0 costs, 1 mixed.
Mortgage disclosure survey testing
The CFPB and the Independent Community Bankers of America will pre-test modified mortgage disclosure forms with about 2,000 individual respondents. The agency estimates a total burden of 1,500 hours (about 0.75 hours per respondent) to measure whether consumers similar in age, income, and education to community bank customers better understand loan details like interest rate and payment schedule.
Public comment opportunity deadline
The CFPB requests public comments on this new information collection, and written comments must be received on or before February 20, 2026. Comments are submitted via www.reginfo.gov and will become part of the public record.
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Key Dates
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