Equal Credit Opportunity Act (Regulation B)

Document Headings Document headings vary by document type but may contain the following: the agency or agencies that issued and signed a document the number of the CFR title and the number of each part the document amends, proposes to amend, or is directly related to the agency docket number / agency internal file number the RIN which identifies each regulatory action listed in the Unified Agenda of Federal Regulatory and Deregulatory Actions See the Document Drafting Handbook for more details. Consumer Financial Protection Bureau 12 CFR Part 1002 [Docket No. CFPB-2025-0039] RIN 3170-AB54 Correction In proposed rule document 2025-19864, appearing on pages 50901-50923 in the issue of Thursday, November 13, 2025, make the following correction to conform with the rule document as it was submitted by the Bureau on November 7, 2025: The regulatory text beginning on page 50920, in the third column, in the 3rd line, should read as follows: List of Subjects in 12 CFR Part 1002 Banks Banking Civil rights Consumer protection Credit Credit unions Marital status discrimination National banks Penalties Religious discrimination Reporting and recordkeeping requirements Savings associations Sex discrimination Authority and Issuance For the reasons set forth in the preamble, the Bureau proposes to amend Regulation B, 12 CFR part 1002 , as set forth below: PART 1002—EQUAL CREDIT OPPORTUNITY ACT (REGULATION B) ▪ 1. The authority citation for part 1002 continues to read as follows: Authority: 12 U.S.C. 5512 , 5581 ; 15 U.S.C. 1691b . Subpart B is also issued under 15 U.S.C. 1691c-2 . SUBPART A—GENERAL ▪ 2. Amend § 1002.4 by revising paragraph (b) to read as follows: § 1002.4 General rules. * * * * * (b) Discouragement. A creditor shall not make any oral or written statement, in advertising or otherwise, directed at applicants or prospective applicants that the creditor knows or should know would cause a reasonable person to believe that t…