On August 25, 2026, the FDIC, NCUA, OCC, CFPB, HUD, DOJ, and FHFA rescinded the “Interagency Statement on Special Purpose Credit Programs Under the Equal Credit Opportunity Act and Regulation B” issued on February 22, 2022. The 2022 Interagency Statement encouraged creditors to offer special purpose credit programs and provided guidance on their permissibility.

On June 17, 2026, the CFPB rescinded an advisory opinion issued in December 2020 regarding Regulation B as it applies to certain aspects of special purpose credit programs (SPCPs) designed and implemented by for-profit organizations to meet special social needs. Specifically, the advisory opinion clarified the content that a for-profit organization must include in a written plan that establishes and administers an SPCP under Regulation B. 

On May 1, 2026, the CFPB has issued a revised final rule under Section 1071 of the Dodd-Frank Act. The Bureau stated that the revised rule is intended to improve data quality, reduce compliance burden, and minimize disruptions to small business lending markets.

On April 17, 2026, InfoBytes reported that the CFPB has submitted the a final rule titled “Small Business Lending Data Collection Under the Equal Credit Opportunity Act Reconsideration” (RIN 3170-AB40) to the OMB’s Office of Information and Regulatory Affairs for review under Executive Order 12866 (as amended). 

On November 13, 2025, the CFPB issued proposed revisions to certain provisions of Regulation B, subpart B, implementing changes to the Equal Credit Opportunity Act made by section 1071 of the Dodd-Frank Act. The CFPB believes the proposed changes would streamline the rule, reduce complexity for lenders, and improve data quality, advancing the purposes of section 1071 and complying with recent executive directives.

On November 13, 2025, the CFPB  issued a proposed 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). According to the CFPB, the amendments would facilitate compliance with ECOA by clarifying the obligations imposed by the statute.

On October 2, 2025, the CFPB issued a final rule to finalize its June 18 interim final rule amending Regulation B to extend the compliance dates of the small business lending rule and to make other date-related conforming adjustments. This final rule becomes effective on December 1, 2025.

On July 25, 2025, the Ballard Spahr reported that a number of community groups  filed a complaint with the U.S. District Court for the District of Columbia against Acting CFPB Director Russell Vought and the CFPB seeking to force the agency to implement the section 1071 rule. The community groups that filed the lawsuit include Rise Economy, fka California Reinvestment Coalition (Rise), the National Reinvestment Coalition (NCRC), the Main Street Alliance (MSA) and Reshonda Young.