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Inside the CFPB

July 21, 2025

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Credit Reporting Complaints Rise in Second Quarter

Most of the complaint categories saw small moves during the second quarter, but consumer discontent regarding credit reporting stood out. (Includes two data tables.) Read More

House Republicans Introduce Slew of CFPB-Focused Bills

The bills seek to scale back activities at the CFPB, including proposals aimed at Section 1071 small business lending data collection. Read More

Republicans in House Plan Major Rollback of DFA

House Republicans want to put a stop to the CFPB’s “regulation by enforcement” among other efforts aimed at scaling back the Dodd-Frank Act. Read More

Bank Regulators Issue New CRA Final Rule Proposal

The federal banking agencies believe returning to the 1995 CRA regulation is the “the most effective” way to provide certainty regarding CRA requirements. Read More

CFPB Withdraws Rule to Nix State Enforcement Notice

The final rule would have rescinded procedures that require a state official to notify the bureau when they take action to enforce the Consumer Financial Protection Act. Read More

States Ramp Up CRA Efforts as Federal CRA Falls Back

New Jersey is the latest state to introduce legislation to establish its own version of the Community Reinvestment Act. Read More

New California Law to Stall Legitimate Foreclosures

The new law addresses foreclosures on “zombie” second mortgages and creates new standards for subordinate mortgage servicers. Read More

Banking Examiners Simplify Adverse Action Requirements

Key differences exist between the Equal Credit Opportunity Act’s and the Fair Credit Reporting Act’s adverse action notice requirements. Read More

Other News in Brief

Pawnshop settles MLA lawsuit; CFPB won’t reissue a medical debt collection AO; federal judge vacates medical debt rule; CFPB places a top staff member on leave; OCC will no longer examine for disparate impact liability; FDIC releases the top regulatory violations for 2024. Read More

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