On April 22, 2026, the Consumer Financial Protection Bureau (CFPB or Bureau) published a sweeping Final Rule amending Subpart A of Regulation B, which implements the Equal Credit Opportunity Act (ECOA).
ECOA broadly prohibits discrimination in any aspect of a credit transaction on the basis of race, color, religion, national origin, sex or marital status, age (provided the applicant has the capacity to contract), receipt of public assistance income, or the good-faith exercise of rights under the Consumer Credit Protection Act. The Consumer Credit Protection Act is an umbrella that includes, among other laws, the Truth in Lending Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Fair Credit Billing Act, the Consumer Leasing Act, and the Electronic Fund Transfer Act.
In November 2025, the CFPB issued a notice of proposed rulemaking. The Final Rule adopts the proposal substantially as written, rejecting many of the proposal’s substantive objections.