On June 18, 2025, the CFPB issued an interim final rule to extend the compliance dates for the small business lending rule and to make other date-related conforming adjustments. This adjustment is made in light of ongoing litigations concerning the final rule.

The new compliance dates will be as follows:

Highest volume lenders (Tier 1): July 1, 2026
Moderate volume lenders (Tier 2): January 1, 2027
Smallest volume lenders (Tier 3): October 1, 2027

The CFPB is also seeking comments on the interim final rule which will become effective on July 18, 2025.

The interim final rule can be found here.

Adam Witmer

Adam Witmer is a speaker, author, and founder of the Compliance Cohort. Adam has taught hundreds of seminars and training sessions to thousands of bankers throughout the United States and teaches on all areas of regulatory compliance. Adam has written five e-books that he never published, hit a grizzly bear while driving in a National Park, and is an award winning photographer and musician (though he no longer takes photos nor plays any instruments). In his spare time, Adam can be found kayaking on the lake, doing taekwondo with his kids, working on his (project) house, or spending time with his family.

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