The CFPB recently released its 2026 Regulatory Plan and Unified Agenda, which outlines the Bureau's anticipated regulatory priorities for the coming year. These updates provide critical insight for financial institutions regarding the evolving regulatory landscape and upcoming compliance expectations.
For their 2026 agenda, the CFPB has included the following:
Prerule Stage
Amendments to DFA Sections 1031 and 1036
Ability to Repay/Qualified Mortgages
Prepaid Accounts Under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)
Proposed Rule Stage
Payday, Vehicle, Title, and Certain High-Cost Installment Loans Reconsideration
Personal Financial Data Rights Reconsideration
Procedures for Guidance Documents
Procedures for Periodic Review of Bureau Regulations
Defining Larger Participants of the Automobile Financing Market
Defining Larger Participants of the Consumer Debt Collection Market
Defining Larger Participants of the Consumer Reporting Market 2025
Defining Larger Participants of the International Money Transfer Market
Contingency Calculations for Determining Average Prime Offer Rate
Final Rule Stage
Streamlining Mortgage Servicing for Borrowers Experiencing Payment Difficulties (Regulation X)
Financial Data Transparency Act
Remittance Transfers Under the Electronic Fund Transfer Act (Regulation E)
Small Business Lending Data Collection Under the Equal Credit Opportunity Act Reconsideration
Protections for Borrowers Affected by the COVID-19 Emergency Under the Real Estate Settlement Procedures Act (RESPA), Regulation X, Rescission
Rescission of State Official Notification Rules
Legal Standard Applicable to Supervisory Designation Proceedings
Equal Credit Opportunity Act (Regulation B)
Consumer Financial Civil Penalty Fund Rule Amendment
The Regulatory Agenda can be found here.