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In forceCredit card dataLast checked 13 November 2026

Credit card agreement submissions

A regulatory return listed by the Consumer Financial Protection Bureau (CFPB), United States.

Builds a public, searchable database of credit card agreements so consumers can compare card terms; the database now holds agreements from more than 600 card issuers. Source

Official title: Internet posting of credit card agreements (Regulation Z, 12 CFR 1026.58)

The facts

Who files
Any card issuer that issues credit cards under an open-end (not home-secured) consumer credit plan, unless it qualifies for the de minimis (fewer than 10,000 open accounts), private label, or product-testing exception. Source
How often
Quarterly: a new, amended or withdrawn agreement must be submitted by the first business day on or after 31 January, 30 April, 31 July or 31 October each year. Source
Deadline
The first business day on or after 31 January, 30 April, 31 July and 31 October each year (12 CFR 1026.58(c)(1)). Source
Format
Web form. Submitted through Collect, the Bureau's online filing system. 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
In force
Legal basis
Group
Credit card data

Templates (0)

The library lists no templates for this return.

The full agreement text and pricing information as of the last business day of the preceding quarter; no separate schedules. Source

Validation rules

No published validation rules were found for this return. No standalone, published catalogue of edit checks was found on the pages read. Source

Public data

Published firm by firm. The Bureau maintains a public, searchable database of agreements from more than 600 card issuers. Source

Where it is published

Official documents (2)

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.

  • Credit Card Agreement Submission

    Guidance · HTML · 141.5 KB

    States that issuers use Collect to submit agreements and that the Bureau's database now holds agreements from more than 600 card issuers.

  • 12 CFR Part 1026, Truth in Lending (Regulation Z) (2025 annual edition)

    Legal text · PDF · 90.4 MB · 1 January 2025

    Section 1026.58 (quarterly credit card agreement submission) and § 1026.57(d) (annual college credit card agreement report) are the provisions relied on here.

    SHA-256 4e583ccebe0fshow in full4e583ccebe0f81a5603040083c4f70f6004c81717d17af3e257a2e3f0e5c131f

Sources

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

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.

Line4's own text, and the way Line4 has collected and arranged these records, are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The facts themselves belong to no one. The regulators' document titles, template names, quoted terms and documents belong to them and are not covered by this licence: see CFPB's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text. Not affiliated with or endorsed by any regulator.

Last checked 13 November 2026.