On October 28, 2025, the CFPB published an interpretive rule to clarify that the Fair Credit Reporting Act (FCRA) generally preempts State laws that touch on broad areas of credit reporting, consistent with Congress's intent to create national standards for the credit reporting system. The interpretive rule replaces a July 2022 interpretive rule that the Bureau withdrew in May 2025.

On December 9, 2024, the CFPB issued an Advance Notice of Proposed Rulemaking to address the harmful effects of inaccurate credit reporting affecting survivors of domestic violence, elder abuse, and other forms of financial abuse. The Bureau aims to gather additional public input on potential amendments to the regulation that implements the Fair Credit Reporting Act (FCRA).

On June 11, 2024, the CFPB proposed a rule that would remove medical bills from most credit reports, increase privacy protections, help to increase credit scores and loan approvals, and prevent debt collectors from using the credit reporting system to coerce people to pay. According to CFPB Director Rohit Chopra, medical bills on credit reports too often are inaccurate and have little to no predictive value when it comes to repaying other loans.

On May 17, 2024, the CFPB sued the online lending platform SoLo Funds for deceptive and illegal practices.According to the lawsuit, SoLo deceived borrowers about the total cost of loans and used digital dark patterns to trick borrowers into paying fees, among others.