CFPB to Debate Debanking Drama: Join the Virtual Vigil

2025-19864 — Equal Credit Opportunity Act (Regulation B)

The Consumer Financial Protection Bureau is updating rules to make sure everyone gets a fair shot at credit, no matter who they are. These changes clarify how lenders should avoid unfair treatment and support special credit programs. If you want to share your thoughts, you’ve got until December 15, 2025, to speak up!

2025-19865 — Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)

The CFPB is updating rules for small business loans to make things simpler and fairer for lenders and borrowers. These changes affect banks and lenders by redefining which loans count and what info they must collect, aiming to improve data quality. Comments on the proposal are open until December 15, 2025, so get ready to weigh in!

2025-19687 — Rules of Practice for Adjudication Proceedings

The Consumer Financial Protection Bureau (CFPB) is rolling back some changes it made in 2022 and 2023 to how it runs legal hearings, like depositions and deadlines. These old rules are mostly gone, but a few small clarifications stick around. This update kicks in on October 29, 2025, and affects anyone involved in CFPB legal cases, making the process clearer and smoother without adding new costs.

2025-19689 — Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; Rescission

The Consumer Financial Protection Bureau is canceling a rule that made certain nonbank companies report government orders about their financial products. This change means those companies won’t have to share this info anymore, saving them and the Bureau time and money. The new rule takes effect right away on October 29, 2025, and aims to keep things simpler without hurting consumer protection.

2025-16139 — Personal Financial Data Rights Reconsideration

The CFPB wants your thoughts on how to make it easier and safer for people to get their personal financial data. They’re looking at who can ask for your info, how much it should cost, and how to keep your data safe and private. This could change how companies handle your info and might affect fees and security rules soon.

2026-06100 — Agency Information Collection Activities: Comment Request

The Consumer Financial Protection Bureau is asking for public comments on renewing a rule that stops bad info about human trafficking victims from showing up on their credit reports. This affects businesses that report credit info and helps protect nearly 780,000 people. Comments are due by April 29, 2026, and the process involves a big time commitment from businesses but no new fees.

Previous: 2025-20555 — Agency Information Collection Activities; Submission to the Office of Management and Budget (OMB) for Review and Approval; Comment Request; Survey of State Government Research and Development

The Census Bureau wants to keep running its Survey of State Government Research and Development and is asking for your thoughts by January 20, 2026. This survey helps track how states spend money on research, affecting state agencies and taxpayers. No big changes or costs are expected, but your feedback helps keep the survey smooth and useful!

Next: 2025-20558 — Agency Information Collection Activity: VA Acquisition Regulation Clause 852.211-72, Technical Industry Standards

The VA is renewing its approval to collect info from companies selling products or services to make sure they meet certain technical standards, like labels on food items. This affects businesses working with the VA, who’ll keep providing proof that their goods meet these rules. Comments on this update are open until December 22, 2025, with no new costs or changes planned.