FTC Extends Credit Report Disclosure Paperwork for Three Years
Published Date: 7/13/2026
Notice
Summary
The Federal Trade Commission wants to keep its rules about how lenders must tell you if your credit terms are less favorable because of your credit report. This extension keeps the current paperwork rules in place for three more years, affecting businesses that lend money. If you have thoughts, you’ve got until August 12, 2026, to share them—no extra costs or big changes, just a smooth continuation!
Analyzed Economic Effects
2 provisions identified: 1 benefits, 1 costs, 0 mixed.
Three-Year Extension of Paperwork Rules
The FTC is asking OMB to renew the paperwork approval for the Risk-Based Pricing Rule for three more years. The current clearance expires on July 31, 2026, comments are due by August 12, 2026, and the FTC estimates the rule causes 10,667,220 annual burden hours and $246,626,126 in annual labor costs for private-sector businesses.
Continued Consumer Notice Requirements
Under the Risk-Based Pricing Rule (16 CFR 640.3-640.4 and CFPB Regulation V at 12 CFR 1022.72-1022.73), a creditor that uses a consumer report to give credit on materially less favorable terms must provide a risk-based pricing notice, and must disclose credit scores if a score was used. The PRA extension request keeps those consumer notice and credit-score disclosure requirements in place.
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Key Dates
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Previous / Next Documents
Previous: 2026-14038, Agency Information Collection Activities; Proposed Collection; Comment Request; Extension
The Federal Trade Commission wants to keep its Informal Dispute Settlement Rules going for three more years and is asking the public to share their thoughts by August 12, 2026. This affects car makers and others who use these dispute rules, with an estimated yearly cost of about $340,000 and nearly 12,000 hours spent on paperwork. No big changes, just a smooth extension to keep things running.
Next: 2026-14040, Agency Forms Undergoing Paperwork Reduction Act Review
The CDC is asking for your thoughts on a new form for their Data Detectives Camp, giving everyone 30 more days to share feedback. This helps make sure the form is useful, clear, and not a hassle to fill out. If you’re involved or interested, now’s the time to speak up before the final approval!