Small business lending data collection (Small Business Lending Data, section 1071)

The facts

Who files

Covered financial institutions as defined by the rule, plus any institution that volunteers to report. Source

How often

Annually, by 1 June following the calendar year the data was collected, under the regulation text read this round; the Bureau's 2026 final rule has since pushed the first compliance date for covered institutions to 1 January 2028. Source

Deadline

By 1 June following the calendar year for which data is compiled (12 CFR 1002.109(a)(1)(i), as it stood in the 2025 annual edition read this round); no institution has yet reached a compliance date, since the Bureau's 1 May 2026 final rule extended that date to 1 January 2028. Source

Format

Web form. Covered institutions will submit a small business lending application register electronically to the Bureau; the dedicated beta filing platform is currently offline. Source

How it is filed

Filing routes recorded for the CFPB: HMDA Platform; Collect; Small Business Lending Data Filing Platform (beta). See how firms file with the CFPB.

Status

UpcomingSection 1071 requires the Bureau to collect small business credit application data, including on women-owned and minority-owned businesses, but no institution is filing yet. On 1 May 2026 the Bureau published a final rule reconsidering parts of its 2023 small business lending rule (coverage, the small business definition, which data points are collected and how) and extending the compliance date to 1 January 2028. The filing beta platform stays offline until the Bureau updates it to match that rule. Source

Legal basis

• Equal Credit Opportunity Act section 704B (added by Dodd-Frank Act section 1071) and Regulation B, 12 CFR Part 1002 Subpart B, especially § 1002.109
• Small Business Lending under the Equal Credit Opportunity Act (Regulation B), final rule of 1 May 2026

Group

Small business lending data

Templates (0)

The library lists no templates for this return.

A single small business lending application register covering every covered application; not divided into separate schedules. Source

Validation rules

The CFPB publishes the checks it runs on this return. They could not be counted from the published material. Software can run them exactly as published. Source

How they are written: A structured CSV validation specification, published by the Bureau alongside its data-point specification for the 2025 collection year..

The Bureau will update this specification to match the data points changed by the 1 May 2026 final rule.

The rules, on raw.githubusercontent.com

Counts are in the CFPB's own unit, so they are not comparable with other regulators' counts.

Public data

No published data from this return was found. No data has been published, since no institution has yet reached a compliance date. Source

Official documents (6)

The CFPB's own files, with the size and SHA-256 fingerprint of each as downloaded on 13 November 2026, so anyone can tell whether a copy is the same version.

• Small business lending database

  Guidance · HTML · 142.8 KB · 1 May 2026

  States that the Bureau published a final rule on 1 May 2026 reconsidering parts of the small business lending rule and extending its compliance date to 1 January 2028, and that the filing beta platform stays offline until the Bureau updates it to match that rule.

• Small Business Lending under the Equal Credit Opportunity Act (Regulation B)

  Legal text · HTML · 143.2 KB · 1 May 2026

  The Bureau's own page for its 1 May 2026 final rule amending coverage, the small business definition, data points and the compliance date of the section 1071 rule (effective 30 June 2026, docket CFPB-2025-0040).

• Small business lending collection and reporting requirements

  Guidance · HTML · 144.1 KB · 1 May 2026

  Points to Regulation B, 12 CFR 1002.102 to .109 (definitions, coverage, data points, firewall and reporting) and links the Bureau's small business lending data-point and validation specifications.

• Small business lending data points file specification, 2025 collection year

  Data dictionary · CSV · 65.5 KB

  The Bureau's own published list of the data points a covered financial institution must report, linked from its small-business-lending page.

  SHA-256 82527deb7736show in fullhide

  82527deb7736948d9f1ac5ec474ab860285e99a4f9059517783039ead56c388b
• Small business lending validation rules, 2025 collection year

  Validation rules · CSV · 69.6 KB

  The Bureau's own published, structured list of the edit checks run on a small business lending submission, linked from its small-business-lending page.

  SHA-256 aaa657fb9f1fshow in fullhide

  aaa657fb9f1f3f4155cd7f2b4e718348a4cdbf405a27a3e8df1893d77d22d725
• 12 CFR Part 1002, Equal Credit Opportunity Act (Regulation B) (2025 annual edition)

  Legal text · PDF · 7.8 MB · 1 January 2025

  Subpart B (§§ 1002.101 to .114) sets the small business lending data rule relied on here, including § 1002.109's annual reporting deadline (by 1 June). This annual edition is as of 1 January 2025, before the Bureau's 1 May 2026 amendments took effect.

  SHA-256 5ae58eb42be0show in fullhide

  5ae58eb42be074960abfb26e61b9ecb802767746530469a30c93635ecdea4ab9

Sources

Every page and document this return's facts were read from.

• consumerfinance.gov/data-research/small-business-lending/
• consumerfinance.gov/rules-policy/final-rules/small-business-lending-under-the-equal-credit-opportunity-act-regulation-b-2026/
• consumerfinance.gov/compliance/compliance-resources/small-business-lending-resources/small-business-lending-collection-and-reporting-requirements/
• govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1002.pdf

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.