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In forcePrepaid accountsLast checked 13 November 2026

Prepaid account agreement submissions

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

Builds a public, searchable database of prepaid account agreements, created under the Prepaid Rule's comprehensive consumer protections for prepaid accounts. Source

Official title: Internet posting of prepaid account agreements (Regulation E and Regulation Z, the Prepaid Rule)

The facts

Who files
Prepaid account issuers. Source
How often
On a rolling basis, whenever an issuer offers, amends or ceases to offer a prepaid account agreement. Source
Deadline
No later than 30 days after the issuer offers, amends or ceases to offer the agreement (12 CFR 1005.19(b)(1)). Source
Format
Web form. Submitted through Collect. 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
Prepaid accounts

Templates (0)

The library lists no templates for this return.

The current agreement and its fee information; not divided into 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 prepaid account agreements and their supporting metadata. 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.

  • Prepaid Account Agreements

    Guidance · HTML · 142.5 KB

    States that the Prepaid Rule (Regulation E and Regulation Z) requires prepaid account issuers to submit their agreements to the Bureau through Collect whenever one is offered, amended or withdrawn.

  • 12 CFR Part 1005, Electronic Fund Transfers (Regulation E) (2025 annual edition)

    Legal text · PDF · 6.8 MB · 1 January 2025

    Section 1005.19 (Internet posting of prepaid account agreements) sets the rolling, 30-day submission deadline relied on here.

    SHA-256 db78790b0680show in fulldb78790b068059e418292288a81e28f7c3f8b5018633afcf4d796bb76a171b5b

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.