Unified Agenda
Consumer Financial Protection Bureau: 2026 Regulatory Agenda
Every rulemaking the CFPB has on its regulatory agenda in the 2026 Unified Agenda. Proposed rules, final rules, and long-term actions, each with the agency's own summary and its latest status.
Source: the 2026 Regulatory Plan and Unified Agenda, published by OIRA on July 3, 2026 (reginfo.gov). The CFPB lists 26 active actions plus 3 completed this cycle. Refreshed as the agenda changes.
Regulatory Plan marks the agency’s most significant planned actions, singled out by OIRA in the Regulatory Plan that accompanies this edition.
What changed since the Spring 2025 agenda
Between editions, the CFPB added 4 new rules, changed the stage on 15, and dropped 14 from the agenda. The official agenda only shows you today’s snapshot. We keep the history, so you can see what actually moved.
- New this edition. Consumer Financial Civil Penalty Fund Rule Amendment (entered the Final Rule stage)
- Moved. Ability to Repay/Qualified Mortgages (Long-Term to Prerule)
- Moved. Defining Larger Participants of the Automobile Financing Market (Prerule to Proposed Rule)
and 30 more changes this edition, including 14 rules that dropped off the agenda entirely.
Track the CFPB agenda freeSignificant, priority, and finalized rules are shown in full below. Routine actions are condensed to a line, with full summaries for every rule on the dashboard.
Slated for a final rule. Several have already published in the Federal Register, which we mark on each; the rest are still pending.
Equal Credit Opportunity Act (Regulation B)
The Equal Credit Opportunity Act (ECOA) directs the Consumer Financial Protection Bureau (Bureau) to prescribe regulations to carry out the ECOA's purposes. See 15 U.S.C. 1691b(a). The Bureau issued a proposed rule that would facilitate compliance with ECOA by clarifying the obligations imposed by the statute. The comment period for that proposed rule closed on December 15, 2025.
Status: Final rule published in the Federal Register on April 22, 2026
Financial Data Transparency Act
The Department of the Treasury, Federal Reserve Board, OCC, CFPB, SEC, FDIC, FHFA, and the NCUA coordinated efforts on a proposed rule establishing data standards for the collections of information reported to each agency by financial entities under their jurisdiction, and the data collected from the agencies on behalf of the Financial Stability Oversight Council (FSOC). If finalized as proposed, the rule would implement the requirements of section 124 to the Financial Stability Act of 2010 (12 U.S.C. 5321 et seq.), which was added by the James M. Inhofe National Defense Authorization Act for Fiscal Year 2023 (NDAA). The NDAA requires the agencies to jointly issue the final rule within two years of enactment.
Status: Final rule published in the Federal Register on June 25, 2026
Protections for Borrowers Affected by the COVID-19 Emergency Under the Real Estate Settlement Procedures Act (RESPA), Regulation X, Rescission
The Consumer Financial Protection Bureau (Bureau) has issued an interim final rule rescinding the CFPB's final rule Protections for Borrowers Affected by the COVID-19 Emergency Under the Real Estate Settlement Procedures Act (RESPA).
Status: Final rule published in the Federal Register on May 16, 2025
Rescission of State Official Notification Rules
The Consumer Financial Protection Bureau (Bureau) issued a direct final rule that would have rescinded the Bureau's procedures by which a State official must notify the Bureau when the official takes an action to enforce the Consumer Financial Protection Act, but the Bureau withdrew the direct final rule because significant adverse comments were received. The Bureau is currently evaluating the comments.
Status: Final rule published in the Federal Register on July 21, 2025
Small Business Lending Data Collection Under the Equal Credit Opportunity Act Reconsideration
In May 2023, the Bureau published a final rule implementing section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. The final rule, as modified by subsequent extensions of compliance dates, became effective on August 29, 2023. The Bureau issued a proposed rule to reconsider certain aspects of the May 2023 final rule. The comment period for that proposed rule closed on December 15, 2025. Further information on the procedural history of this rule is available under related RIN 3170-AA09, which pertains to the final rule the Bureau issued in May 2023.
Status: Final rule published in the Federal Register on May 1, 2026
Other actions in this stage
Rules open for, or headed toward, public comment.
Personal Financial Data Rights Reconsideration
In November 2024, the Consumer Financial Protection Bureau (Bureau) published a final rule pursuant to section 1033 of the Consumer Financial Protection Act. The final rule became effective on January 17, 2025. The Bureau plans to take the rulemaking steps necessary and appropriate to reconsider the November 2024 final rule. Further information on the procedural history of this rule is available under related RIN 3170-AA78, which pertains to the final rule the Bureau issued in November 2024.
Status: Proposed rule published on August 22, 2025
Other actions in this stage
Early-stage actions: reviews and advance notices that come before a formal proposal.
On the agenda, but not expected to move within the next 12 months.
Actions the agency reports as completed this cycle. The official agenda rule list files these separately from the active pipeline.
Procedures for Supervisory Designation Proceedings
The Consumer Financial Protection Bureau (Bureau) rescinded the amendments it adopted on April 29, 2022, November 21, 2022, and April 23, 2024, to the Procedures for Supervisory Designation Proceedings, with the exception of some limited process adjustments.
Status: Final rule published in the Federal Register on September 25, 2025
Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; Rescission
The Consumer Financial Protection Bureau (Bureau) rescinded its rule requiring certain types of nonbank covered persons subject to certain final public orders obtained or issued by a government agency in connection with the offering or provision of a consumer financial product or service to report the existence of the orders and related information to a Bureau registry.
Status: Final rule published in the Federal Register on October 29, 2025
Rules of Practice for Adjudication Proceedings; Rescission
The Consumer Financial Protection Bureau rescinded the amendments it adopted to the Rules of Practice for Adjudication Proceedings on February 22, 2022, and March 29, 2023, with certain clarificatory and procedural changes.
Status: Final rule published in the Federal Register on October 29, 2025
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Create a free accountCompiled from the 2026 Regulatory Plan and Unified Agenda (reginfo.gov), cross-referenced against Federal Register publications. Regulation Roundup tracks all 29 CFPB actions and refreshes as the agenda changes.