CFPB Refreshes Credit Card Info Collection Forms
Published Date: 9/30/2026
Notice
Summary
The Consumer Financial Protection Bureau wants to update how it collects info from credit card companies about their plans and agreements. This affects about 520 companies and aims to keep credit card rules clear and fair. If you have thoughts, send them by October 30, 2026—no cost changes, just smarter paperwork!
Analyzed Economic Effects
5 provisions identified: 1 benefits, 4 costs, 0 mixed.
Quarterly Agreement Submissions for Large Issuers
If you are a card issuer with 10,000 or more open accounts, you must submit to the Bureau, on a quarterly basis, agreements between the issuer and consumers for open-end consumer credit plans, as required by the CARD Act and 12 CFR 1026.58. This requirement applies to issuers meeting the 10,000-open-account threshold.
520 Firms Face Annual Paperwork Burden
The Bureau estimates this information-collection revision will affect about 520 private-sector respondents and totals an estimated 987 annual burden hours. You (as a respondent firm) would be part of that group requested to provide credit-card plan data to the Bureau.
Annual College Credit Card Agreement Submissions
Card issuers must submit any college credit card agreements and certain related information to the Bureau on an annual basis, under section 305 of the CARD Act and 12 CFR 1026.57(d). This applies to issuers that are parties to college credit card agreements.
Public Gets Centralized Credit Card Repository
The data collections let the Bureau provide Congress and the public with a centralized, searchable repository of credit card plan terms, consumer credit card agreements, college credit card agreements, and information about arrangements with institutions of higher education. This means the public can access those collected documents through the Bureau's repository.
Terms Survey Covers ≥150 Issuers Including 25 Largest
The 'Terms of Credit Card Plans' survey will collect data from a broad sample of at least 150 issuers, which must include the 25 largest issuers and at least 125 additional financial institutions selected by the Bureau. This sampling approach determines which issuers are required to provide pricing and availability data under TILA section 136(b).
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