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.
Your PRIA Score
Personalized for You
How does this regulation affect your finances?
Sign up for a PRIA Policy Scan to see your personalized alignment score for this federal register document and every other regulation we track. We analyze your financial profile against policy provisions to show you exactly what matters to your wallet.
Key Dates
Department and Agencies
Related Federal Register Documents
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 / Next Documents
Previous: 2026-01085 — Formations of, Acquisitions by, and Mergers of Bank Holding Companies
Some companies want to become or grow as bank holding companies by merging or buying other banks. If you’re involved in banking or just curious, you can share your thoughts by February 20, 2026. These moves could shake up local banking and might affect how money flows in your community.
Next: 2026-01087 — Foreign-Trade Zone (FTZ) 238 Notification of Proposed Production Activity; Celanese Acetate LLC; (Cellulose Acetate Tow and Flake); Narrows, Virginia
Celanese Acetate LLC in Narrows, Virginia, wants to start making special cellulose acetate products inside Foreign-Trade Zone 238. This move could save the company money on import duties for certain materials, with public comments open until March 2, 2026. If approved, it helps Celanese compete better by lowering costs on key materials like high-purity wood pulp.
Take It Personal
Get Your Personalized Policy View
Start a Free Government Policy Watch to see how policy affects your household, then upgrade to PRIA Full Coverage for year-round monitoring.
Already have an account? Sign in