The CFPB’s Final Rule amending Regulation B related to disparate impact will do the following:
(1) provide that ECOA does not authorize disparate-impact claims;
(2) amend the prohibition on discouraging applicants or prospective applicants to clarify that it ... is not triggered merely by negative consumer impressions, and to clarify that encouraging statements by creditors directed at one group of consumers is not prohibited discouragement as to applicants or prospective applicants who were not the intended recipients of the statements; and
3) amend the standards for SPCPs offered or participated in by for-profit organizations to include new standards and related conditions.
The Final Rule takes effect on July 21, 2026, and will have a direct impact on fair lending programs. Come learn what your next steps should be!
Jerod explains more in the video.
Published 2026/05/11
