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Highlight Updates CFPB Now Issues Regulation B and Its Official Interpretations

The Consumer Financial Protection Bureau (CFPB) now has authority to issue Regulation B.52 On December 21, 2011, the CFPB issued its version of Regulation B and its official interpretations.53 The Federal Reserve Board (FRB) has not withdrawn its Regulation B, certain kinds of credit are not within the CFPB’s enforcement authority, and the FRB regulation thus may remain relevant.

At the moment, the major change is that 12 C.F.R. part 202 citations are replaced by citations to 12 C.F.R. part 1002. Other changes are stylistic and not substantive. Appendices B and C, infra, contain the CFPB’s version Regulation B and its official interpretations have changed.

The FRB version of the regulation and commentary, the redline version, and the CFPB’s versions (with supplemental information) are all found on the companion material to this treatise.


  • 52 {52} See 15 U.S.C. § 1691b, as amended by Pub. L. No. 111-203, tit. X, §§ 1085(3), 1100H, 124 Stat. 2083, 2113 (July 21, 2010).

  • 53 {53} See 76 Fed. Reg. 79,445 (Dec. 21, 2011).