Final Rule: Equal Credit Opportunity Act (Regulation B)

April 22, 2026 / Source: Consumer Financial Protection Bureau

The Consumer Financial Protection Bureau (Bureau or CFPB) is issuing a final rule that amends provisions related to disparate impact, discouragement of applicants or prospective applicants, and special purpose credit programs under Regulation B, the regulation implementing the Equal Credit Opportunity Act (ECOA or Act). The amendments facilitate compliance with ECOA by clarifying the obligations imposed by the statute.

This final rule is effective July 21, 2026.