Notice2025-18317
Semiannual Regulatory Agenda
Primary source
Metadata and text below are from the Federal Register, a public-domain U.S. government work. Always verify the official published version before relying on it for any legal matter.
Published
September 22, 2025
Issuing agencies
Consumer Financial Protection Bureau
Abstract
The Consumer Financial Protection Bureau (CFPB) is publishing this agenda as part of the Spring 2025 Unified Agenda of Federal Regulatory and Deregulatory Actions. The CFPB reasonably anticipates having the regulatory matters identified below under consideration during the period from June 2025 to May 2026. The next agenda will be published in Fall 2025 and will update this agenda through Fall 2026. Publication of this agenda is in accordance with the Regulatory Flexibility Act (5 U.S.C. 601 et seq.).
Full Text
<html>
<head>
<title>Federal Register, Volume 90 Issue 181 (Monday, September 22, 2025)</title>
</head>
<body><pre>
[Federal Register Volume 90, Number 181 (Monday, September 22, 2025)]
[Proposed Rules]
[Page 45586]
From the Federal Register Online via the Government Publishing Office [<a href="http://www.gpo.gov">www.gpo.gov</a>]
[FR Doc No: 2025-18317]
[[Page 45585]]
Vol. 90
Monday,
No. 181
September 22, 2025
Part XVIII
Consumer Financial Protection Bureau
-----------------------------------------------------------------------
Semiannual Regulatory Agenda
Federal Register / Vol. 90, No. 181 / Monday, September 22, 2025 /
Unified Agenda
[[Page 45586]]
-----------------------------------------------------------------------
CONSUMER FINANCIAL PROTECTION BUREAU
12 CFR CH. X
Semiannual Regulatory Agenda
AGENCY: Consumer Financial Protection Bureau.
ACTION: Semiannual Regulatory Agenda.
-----------------------------------------------------------------------
SUMMARY: The Consumer Financial Protection Bureau (CFPB) is publishing
this agenda as part of the Spring 2025 Unified Agenda of Federal
Regulatory and Deregulatory Actions. The CFPB reasonably anticipates
having the regulatory matters identified below under consideration
during the period from June 2025 to May 2026. The next agenda will be
published in Fall 2025 and will update this agenda through Fall 2026.
Publication of this agenda is in accordance with the Regulatory
Flexibility Act (5 U.S.C. 601 et seq.).
DATES: This information is current as of April 21, 2025.
ADDRESSES: Consumer Financial Protection Bureau, 1700 G Street NW,
Washington, DC 20552.
FOR FURTHER INFORMATION CONTACT: A staff contact is included for each
regulatory item listed herein. If you require this document in an
alternative electronic format, please contact
<a href="/cdn-cgi/l/email-protection#5f1c190f1d001e3c3c3a2c2c363d3633362b261f3c392f3d71383029"><span class="__cf_email__" data-cfemail="1d5e5b4d5f425c7e7e786e6e747f74717469645d7e7b6d7f337a726b">[email protected]</span></a>.
SUPPLEMENTARY INFORMATION: The CFPB is publishing its Spring 2025
Agenda as part of the Spring 2025 Unified Agenda of Federal Regulatory
and Deregulatory Actions, which is coordinated by the Office of
Management and Budget (OMB) under Executive Order 12866.\1\ The agenda
lists the regulatory matters that the CFPB reasonably anticipates, as
of April 21, 2025, that it will have under consideration during the
period from June 2025 to May 2026, as described further below.\2\ The
complete Unified Agenda is available to the public at the following
website: <a href="https://www.reginfo.gov">https://www.reginfo.gov</a>.
The CFPB is under interim leadership pending the confirmation of a
permanent director, and is carefully considering various sources in
setting its future priorities. This Agenda largely focuses on the
updating of certain projects from the Fall 2024 Agenda, reconsideration
of certain recently completed rulemakings, as well as limited new
additions. For example, this Agenda reflects that the CFPB is now
considering rulemaking or other activities, such as a Request for
Information, regarding unfair, deceptive, or abusive acts or practices
under section 1031 of the Dodd-Frank Wall Street Reform and Consumer
Protection Act, Public Law 111-203, 124 Stat. 1376. The CFPB has also
added a new entry to the Agenda's long-term section related to rules
that require mortgage lenders to determine consumers' ability-to-repay
loans and define certain ``qualified mortgages'' that are presumed to
comply with statutory requirements. The CFPB expects to continue to
refine its priorities and provide additional information in its Fall
2025 Unified Agenda of Federal Regulatory and Deregulatory Actions.
Consistent with procedures established by OMB's Office of
Information and Regulatory Affairs,\3\ the CFPB's active agenda is
divided into five sections: pre-rule stage; proposed rule stage; final
rule stage; long-term actions; and completed actions. Generally, the
pre-rule through final rule stages sections list items the CFPB plans
to issue within the next 12 months. The long-term actions are listed
for informational purposes if a regulatory action is anticipated beyond
that one-year time frame. Completed actions are those that have been
published as final or are withdrawn.
Lisa Cole,
Acting Assistant Director, Office of Regulations, Consumer Financial
Protection Bureau.
Consumer Financial Protection Bureau--Completed Actions
------------------------------------------------------------------------
Regulation
Sequence No. Title Identifier No.
------------------------------------------------------------------------
192....................... Protecting Consumer 3170-AB27
Information in the
Consumer Reporting
Marketplace (Regulation
V).
------------------------------------------------------------------------
------------------------------------------------------------------------
Consumer Financial Protection Bureau
(CFPB) Completed Actions
------------------------------------------------------------------------
192. PROTECTING CONSUMER INFORMATION IN THE CONSUMER REPORTING
MARKETPLACE (REGULATION V) [3170-AB27]
Legal Authority: 15 U.S.C. 1681, et seq.
Abstract: On May 15, 2025, the CFPB withdrew its December 2024
notice of proposed rulemaking (NPRM) requesting comment on the CFPB's
proposal to amend Regulation V, which implements the Fair Credit
Reporting Act (FCRA). The proposed rule would have implemented the
FCRA's definitions of consumer report and consumer reporting agency as
well as certain of the FCRA's provisions governing when consumer
reporting agencies may furnish, and users may obtain, consumer reports.
The CFPB has determined that legislative rulemaking is not necessary or
appropriate at this time to address the subject matter of the NPRM.
When and if the CFPB determines it necessary to issue a rule
implementing the relevant definitions and provisions of the FCRA, it
will propose a new rule and seek public comment thereon.
---------------------------------------------------------------------------
\1\ The CFPB publishes this Unified Agenda pursuant to Executive
Order 14215 of February 18, 2025, Ensuring Accountability for All
Agencies, 90 FR 1044 (Feb. 24, 2025).
\2\ The listing does not include certain routine, frequent, or
administrative matters. The CFPB is reporting information for this
Unified Agenda in a manner consistent with past practice.
---------------------------------------------------------------------------
Timetable:
------------------------------------------------------------------------
Action Date FR Cite
------------------------------------------------------------------------
NPRM................................ 12/13/24 89 FR 10142
NPRM Comment Period End............. 03/03/25
Comment Period Extended............. 03/05/25 90 FR 11236
NPRM Comment Period End............. 04/02/25
Withdrawn........................... 05/15/25 90 FR 20568
------------------------------------------------------------------------
Regulatory Flexibility Analysis Required: Yes
---------------------------------------------------------------------------
\3\ See <a href="https://www.reginfo.gov/public/jsp/eAgenda/UA_About.myjsp">https://www.reginfo.gov/public/jsp/eAgenda/UA_About.myjsp</a>.
---------------------------------------------------------------------------
Agency Contact: Laura Stack, Office of Regulations, Consumer
Financial Protection Bureau, 1700 G Street, NW, Washington, DC 20552
Phone: 202 435-7700
RIN: 3170-AB27
[FR Doc. 2025-18317 Filed 9-19-25; 8:45 am]
BILLING CODE 4810-AM-P
</pre><script data-cfasync="false" src="/cdn-cgi/scripts/5c5dd728/cloudflare-static/email-decode.min.js"></script></body>
</html>Indexed from Federal Register on September 22, 2025.
This is legal information, not legal advice. Laws vary by jurisdiction and change frequently. Always verify current law with official sources and consult a licensed attorney in your jurisdiction for advice on your specific situation.