{"name":"Line4 regulatory submissions library","licence":"Line4's own text, and the way Line4 has collected and arranged these records, are licensed under CC BY 4.0. The facts themselves (names, codes, dates, frequencies, formats) belong to no one. The regulators' document titles, template names, quoted terms and documents belong to the regulators and are not covered by this licence: see each regulator's reuse terms. Not affiliated with or endorsed by any regulator.","license_url":"https://creativecommons.org/licenses/by/4.0/","credit":"Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai","last_checked":"2026-11-13","url":"https://www.line4.ai/regulatory-returns","regulators":[{"id":"cfpb","last_checked":"2026-11-13","regulator":{"name":"Consumer Financial Protection Bureau","short_name":"CFPB","country":"United States","country_code":"US","region":"North America","website":"https://www.consumerfinance.gov/","what_it_does":"A federal agency that writes and enforces the rules for consumer financial products and services, such as mortgages, credit cards and prepaid accounts, and collects some of the data described here to monitor fair access to credit.","source":"https://www.consumerfinance.gov/about-us/"},"scope":{"text":"Mortgage loan and application data financial institutions file under the Home Mortgage Disclosure Act (Regulation C); small business lending data covered financial institutions will file under section 1071 of the Dodd-Frank Act (Regulation B), once the Bureau's extended compliance date arrives; credit card agreement, college credit card marketing agreement and Terms of Credit Card Plans Survey submissions under Regulation Z; prepaid account agreement submissions under Regulation E and Regulation Z; the registry of nonbank covered persons subject to agency and court orders, kept here as a discontinued return because the Bureau rescinded it in 2025; and the Interstate Land Sales Full Disclosure Act's developer registration and annual report of activity. Left out: the Bureau's consumer complaint portal, where firms respond to individual complaints rather than file a periodic return, its supervisory examination and enforcement work, and licensing systems such as the Nationwide Multistate Licensing System that other regulators, not the Bureau itself, run.","source":"https://www.consumerfinance.gov/compliance/registration-and-submission-programs/"},"submission_systems":[{"name":"HMDA Platform","what":"Where financial institutions upload their loan/application register, review the Bureau's automated edits, and certify and submit their HMDA data for the filing year.","url":"https://ffiec.cfpb.gov/","source":"https://www.consumerfinance.gov/data-research/hmda/"},{"name":"Collect","what":"The Bureau's online system for card issuers and prepaid account issuers to submit, amend or withdraw credit card agreements, college credit card marketing agreement annual reports, the Terms of Credit Card Plans Survey, and prepaid account agreements.","url":"https://collect.consumerfinance.gov/","source":"https://www.consumerfinance.gov/data-research/credit-card-data/credit-card-agreement-submission/"},{"name":"Small Business Lending Data Filing Platform (beta)","what":"The planned filing system for small business lending data under section 1071. Its beta version is currently offline while the Bureau updates it to match the data points changed by the May 2026 final rule.","url":"https://sblhelp.consumerfinance.gov/","source":"https://www.consumerfinance.gov/data-research/small-business-lending/"}],"licence":{"name":"Website Privacy Policy and Legal Notices","quote":"Information created by the CFPB is in the public domain and you may reproduce, publish, or otherwise use it without the Bureau's permission. Please consider appropriate citation to the Bureau as the source.","url":"https://www.consumerfinance.gov/privacy/website-privacy-policy/","checked":"2026-11-13","redistribution":"allowed","conditions":"Citation to the CFPB as the source is requested, not required. The Bureau's logo and the names \"Consumer Financial Protection Bureau\" and \"CFPB\" are registered trademarks and are not used here as a trade name, trademark or domain name. Third-party copyrighted material that may appear on the site is not relied on.","decision":"link-only","decision_reason":"The CFPB's own privacy policy says material it creates is public information that may be reproduced and published without asking, but this library never hosts or copies a regulator's own documents, so only links, sizes and hashes are kept here."},"public_filed_data":[{"name":"HMDA data","level":"firm-level","description":"Modified loan-level mortgage data for every covered institution, published each year, plus historical data back to 2007.","url":"https://www.consumerfinance.gov/data-research/hmda/","format":"Flat file","returns":["cfpb-hmda-lar"],"reuse":"No reuse terms specific to this dataset were found; see the licence section for the Bureau's general public-domain notice.","source":"https://www.consumerfinance.gov/data-research/hmda/"},{"name":"Terms of Credit Card Plans Survey data","level":"firm-level","description":"Credit card terms for each surveyed issuer, published twice a year with a data dictionary.","url":"https://www.consumerfinance.gov/data-research/credit-card-data/terms-credit-card-plans-survey/","format":"CSV","returns":["cfpb-tccp-survey"],"reuse":"No reuse terms specific to this dataset were found; see the licence section for the Bureau's general public-domain notice.","source":"https://www.consumerfinance.gov/data-research/credit-card-data/terms-credit-card-plans-survey/"},{"name":"Credit card and prepaid account agreement databases","level":"firm-level","description":"Searchable databases of the agreements submitted by card issuers and prepaid account issuers.","url":"https://www.consumerfinance.gov/data-research/credit-card-data/credit-card-agreement-submission/","format":"Web search","returns":["cfpb-credit-card-agreements","cfpb-prepaid-account-agreements"],"reuse":"No reuse terms specific to this dataset were found; see the licence section for the Bureau's general public-domain notice.","source":"https://www.consumerfinance.gov/data-research/credit-card-data/credit-card-agreement-submission/"}],"gaps":["ffiec.cfpb.gov, which hosts the HMDA Platform, is a JavaScript single-page application: a plain request returns an empty shell, so its documentation, resources and FAQ pages could not be read directly, and the exact file layout and published edit-check catalogue for HMDA submissions could not be confirmed from that site this round.","www.federalregister.gov served a CAPTCHA page for the 1 May 2026 small business lending final rule's Federal Register notice; it was not retried. The Bureau's own consumerfinance.gov pages for that rule were relied on instead, which do not give every data point and compliance-date detail a full Federal Register reading would.","The small business lending data points and validation specification CSV files are the 2025 collection-year versions linked from the Bureau's page; the Bureau has not yet published updated versions reflecting the 1 May 2026 final rule's changes to coverage, the small business definition and the data points collected.","The original rulemaking history of the now-rescinded nonbank registry (12 CFR Part 1092), including when it was first finalised and whether any nonbank covered person had already registered before the rescission, was not researched this round; only the rescission final rule, which is what currently governs, was read.","Whether the CFPB collects any other periodic return beyond the eight built here (for example under the Military Lending Act or the SAFE Act, whose mortgage loan originator registration is filed through the Nationwide Multistate Licensing System rather than directly with the Bureau) was not separately confirmed within this round's request budget."],"sources":[{"title":"Website Privacy Policy and Legal Notices","url":"https://www.consumerfinance.gov/privacy/website-privacy-policy/"},{"title":"Registration and Submission Programs","url":"https://www.consumerfinance.gov/compliance/registration-and-submission-programs/"},{"title":"Mortgage data (HMDA)","url":"https://www.consumerfinance.gov/data-research/hmda/"},{"title":"Home mortgage disclosure reporting requirements (HMDA)","url":"https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/hmda-reporting-requirements/"},{"title":"Small business lending database","url":"https://www.consumerfinance.gov/data-research/small-business-lending/"},{"title":"Small Business Lending under the Equal Credit Opportunity Act (Regulation B), final rule","url":"https://www.consumerfinance.gov/rules-policy/final-rules/small-business-lending-under-the-equal-credit-opportunity-act-regulation-b-2026/"},{"title":"Small business lending collection and reporting requirements","url":"https://www.consumerfinance.gov/compliance/compliance-resources/small-business-lending-resources/small-business-lending-collection-and-reporting-requirements/"},{"title":"Credit Card Agreement Submission","url":"https://www.consumerfinance.gov/data-research/credit-card-data/credit-card-agreement-submission/"},{"title":"College credit card agreements submission","url":"https://www.consumerfinance.gov/data-research/credit-card-data/college-credit-card-agreement-submission/"},{"title":"Terms of Credit Card Plans (TCCP) survey","url":"https://www.consumerfinance.gov/data-research/credit-card-data/terms-credit-card-plans-survey/"},{"title":"Prepaid Account Agreements","url":"https://www.consumerfinance.gov/data-research/prepaid-accounts/"},{"title":"Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; Rescission","url":"https://www.consumerfinance.gov/rules-policy/final-rules/registry-of-nonbank-covered-persons-subject-to-certain-agency-and-court-orders-rescission/"},{"title":"12 CFR Part 1002 (Regulation B, 2025 annual edition)","url":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1002.pdf"},{"title":"12 CFR Part 1003 (Regulation C, 2025 annual edition)","url":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1003.pdf"},{"title":"12 CFR Part 1005 (Regulation E, 2025 annual edition)","url":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1005.pdf"},{"title":"12 CFR Part 1010 (Regulation J, 2025 annual edition)","url":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol10/pdf/CFR-2025-title12-vol10-part1010.pdf"},{"title":"12 CFR Part 1026 (Regulation Z, 2025 annual edition)","url":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026.pdf"},{"title":"About Us","url":"https://www.consumerfinance.gov/about-us/"}],"returns":[{"id":"cfpb-hmda-lar","code":"HMDA LAR","name":"Mortgage loan/application register","official_name":"Home Mortgage Disclosure Act (HMDA) loan/application register","group":"Mortgage lending data","status":"in force","purpose":{"text":"Records every mortgage loan and application a covered institution handled in the year, so the public and policymakers can see whether lenders are serving their communities' housing needs and spot lending patterns that could be discriminatory.","source":"https://www.consumerfinance.gov/data-research/hmda/"},"who_files":{"text":"Financial institutions that meet Regulation C's institutional coverage test (generally banks, credit unions and other mortgage lenders over an asset or loan-volume threshold) for loans and applications that meet its transactional coverage test.","source":"https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/hmda-reporting-requirements/"},"frequency":{"value":"annual","text":"Annually for every covered institution; additionally, within 60 days of the end of each of the first three calendar quarters, for an institution that reported at least 60,000 covered loans and applications, combined, in the preceding calendar year.","source":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1003.pdf"},"deadline":{"text":"The annual loan/application register is due by 1 March following the calendar year the data was collected (12 CFR 1003.5(a)(1)(i)). The quarterly register, where it applies, is due within 60 calendar days of the end of the quarter, except the fourth quarter (12 CFR 1003.5(a)(1)(ii)).","source":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1003.pdf"},"formats":{"values":["Flat file"],"text":"A pipe-delimited text file (.txt). Institutions upload their loan/application register through the HMDA Platform, review the Platform's automated edits and certify the data before submitting it; the CFPB's LAR Formatting Tool turns spreadsheet entries into that pipe-delimited file.","source":"https://ffiec.cfpb.gov/documentation/tools/lar-formatting/"},"legal_basis":[{"title":"Home Mortgage Disclosure Act and Regulation C, 12 CFR Part 1003, especially § 1003.5 (disclosure and reporting)","url":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1003.pdf"}],"templates":{"count":0,"items":[],"note":"A single annual or quarterly loan/application register; not divided into separate schedules.","source":"https://www.consumerfinance.gov/data-research/hmda/"},"documents":["cfpb-hmda-main","cfpb-hmda-reporting-requirements","cfr-12-part1003"],"validation_rules":{"published":true,"count":null,"where":"https://ffiec.cfpb.gov/","machine_readable":false,"note":"The HMDA Platform runs published edit checks live as a filer uploads and reviews its register, and the Bureau's Filing Instructions Guide documents them, but ffiec.cfpb.gov is a JavaScript application whose pages returned no readable text to a plain request, so the catalogue itself could not be read directly this round.","source":"https://www.consumerfinance.gov/compliance/registration-and-submission-programs/"},"public_data":{"level":"firm-level","text":"The Bureau publishes a modified version of the data, by institution, each year.","url":"https://www.consumerfinance.gov/data-research/hmda/","source":"https://www.consumerfinance.gov/data-research/hmda/"},"sources":["https://www.consumerfinance.gov/data-research/hmda/","https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/hmda-reporting-requirements/","https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1003.pdf","https://ffiec.cfpb.gov/documentation/tools/lar-formatting/"]},{"id":"cfpb-1071-small-business-lending","code":"Small Business Lending Data (section 1071)","name":"Small business lending data collection","official_name":"Small business lending data under section 1071 of the Dodd-Frank Act (Regulation B, Subpart B)","group":"Small business lending data","status":"upcoming","status_note":{"text":"Section 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":"https://www.consumerfinance.gov/data-research/small-business-lending/"},"purpose":{"text":"Collects data on small business credit applications, including those from women-owned and minority-owned businesses, to help show whether lenders are meeting small businesses' credit needs and to increase transparency in that lending market.","source":"https://www.consumerfinance.gov/data-research/small-business-lending/"},"who_files":{"text":"Covered financial institutions as defined by the rule, plus any institution that volunteers to report.","source":"https://www.consumerfinance.gov/compliance/compliance-resources/small-business-lending-resources/small-business-lending-collection-and-reporting-requirements/"},"frequency":{"value":"annual","text":"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":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1002.pdf"},"deadline":{"text":"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":"https://www.consumerfinance.gov/data-research/small-business-lending/"},"formats":{"values":["Web form"],"text":"Covered institutions will submit a small business lending application register electronically to the Bureau; the dedicated beta filing platform is currently offline.","source":"https://www.consumerfinance.gov/data-research/small-business-lending/"},"legal_basis":[{"title":"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","url":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1002.pdf"},{"title":"Small Business Lending under the Equal Credit Opportunity Act (Regulation B), final rule of 1 May 2026","url":"https://www.consumerfinance.gov/rules-policy/final-rules/small-business-lending-under-the-equal-credit-opportunity-act-regulation-b-2026/"}],"templates":{"count":0,"items":[],"note":"A single small business lending application register covering every covered application; not divided into separate schedules.","source":"https://www.consumerfinance.gov/compliance/compliance-resources/small-business-lending-resources/small-business-lending-collection-and-reporting-requirements/"},"documents":["cfpb-sbl-main","cfpb-sbl-2026-final-rule","cfpb-sbl-compliance","cfpb-sbl-data-points-spec","cfpb-sbl-validation-spec","cfr-12-part1002"],"validation_rules":{"published":true,"count":null,"where":"https://raw.githubusercontent.com/cfpb/sbl-content/main/fig-files/validation-spec/2025-validations.csv","machine_readable":true,"rule_format":"A structured CSV validation specification, published by the Bureau alongside its data-point specification for the 2025 collection year.","note":"The Bureau will update this specification to match the data points changed by the 1 May 2026 final rule.","source":"https://www.consumerfinance.gov/data-research/small-business-lending/"},"public_data":{"level":"none found","text":"No data has been published, since no institution has yet reached a compliance date.","source":"https://www.consumerfinance.gov/data-research/small-business-lending/"},"sources":["https://www.consumerfinance.gov/data-research/small-business-lending/","https://www.consumerfinance.gov/rules-policy/final-rules/small-business-lending-under-the-equal-credit-opportunity-act-regulation-b-2026/","https://www.consumerfinance.gov/compliance/compliance-resources/small-business-lending-resources/small-business-lending-collection-and-reporting-requirements/","https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1002.pdf"]},{"id":"cfpb-credit-card-agreements","code":"Credit Card Agreement Submission","name":"Credit card agreement submissions","official_name":"Internet posting of credit card agreements (Regulation Z, 12 CFR 1026.58)","group":"Credit card data","status":"in force","purpose":{"text":"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":"https://www.consumerfinance.gov/data-research/credit-card-data/credit-card-agreement-submission/"},"who_files":{"text":"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":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026.pdf"},"frequency":{"value":"quarterly","text":"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":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026.pdf"},"deadline":{"text":"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":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026.pdf"},"formats":{"values":["Web form"],"text":"Submitted through Collect, the Bureau's online filing system.","source":"https://www.consumerfinance.gov/data-research/credit-card-data/credit-card-agreement-submission/"},"legal_basis":[{"title":"Regulation Z, 12 CFR 1026.58 (Internet posting of credit card agreements)","url":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026.pdf"}],"templates":{"count":0,"items":[],"note":"The full agreement text and pricing information as of the last business day of the preceding quarter; no separate schedules.","source":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026.pdf"},"documents":["cfpb-credit-card-agreement-submission","cfr-12-part1026"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No standalone, published catalogue of edit checks was found on the pages read.","source":"https://www.consumerfinance.gov/data-research/credit-card-data/credit-card-agreement-submission/"},"public_data":{"level":"firm-level","text":"The Bureau maintains a public, searchable database of agreements from more than 600 card issuers.","url":"https://www.consumerfinance.gov/data-research/credit-card-data/credit-card-agreement-submission/","source":"https://www.consumerfinance.gov/data-research/credit-card-data/credit-card-agreement-submission/"},"sources":["https://www.consumerfinance.gov/data-research/credit-card-data/credit-card-agreement-submission/","https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026.pdf"]},{"id":"cfpb-college-credit-card-agreements","code":"College Credit Card Agreement Annual Report","name":"College credit card marketing agreement annual report","official_name":"Annual report on college credit card agreements (Regulation Z, 12 CFR 1026.57(d))","group":"Credit card data","status":"in force","purpose":{"text":"Reports marketing agreements between card issuers and colleges, universities or affiliated organisations (such as alumni associations) under which college student credit cards are issued; the Bureau publishes annual reports to Congress and keeps the agreements publicly accessible.","source":"https://www.consumerfinance.gov/data-research/credit-card-data/college-credit-card-agreement-submission/"},"who_files":{"text":"Any card issuer that was a party to one or more college credit card agreements in effect at any time during the calendar year.","source":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026.pdf"},"frequency":{"value":"annual","text":"Annually, for each calendar year in which the issuer was party to a college credit card agreement.","source":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026.pdf"},"deadline":{"text":"The first business day on or after 31 March following the calendar year covered (12 CFR 1026.57(d)(3)).","source":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026.pdf"},"formats":{"values":["Web form"],"text":"Submitted through Collect.","source":"https://www.consumerfinance.gov/data-research/credit-card-data/college-credit-card-agreement-submission/"},"legal_basis":[{"title":"Regulation Z, 12 CFR 1026.57(d) (reporting and marketing rules for college student open-end credit)","url":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026.pdf"}],"templates":{"count":0,"items":[],"note":"A single annual report naming the agreements and the accounts opened under them; not divided into separate schedules.","source":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026.pdf"},"documents":["cfpb-college-credit-card-agreement-submission","cfr-12-part1026"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No standalone, published catalogue of edit checks was found on the pages read.","source":"https://www.consumerfinance.gov/data-research/credit-card-data/college-credit-card-agreement-submission/"},"public_data":{"level":"firm-level","text":"The Bureau keeps the agreements and the reports to Congress publicly accessible.","url":"https://www.consumerfinance.gov/data-research/credit-card-data/college-credit-card-agreement-submission/","source":"https://www.consumerfinance.gov/data-research/credit-card-data/college-credit-card-agreement-submission/"},"sources":["https://www.consumerfinance.gov/data-research/credit-card-data/college-credit-card-agreement-submission/","https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026.pdf"]},{"id":"cfpb-tccp-survey","code":"TCCP Survey","name":"Terms of credit card plans survey","official_name":"Terms of Credit Card Plans (TCCP) Survey","group":"Credit card data","status":"in force","purpose":{"text":"A survey of credit card terms from over 150 issuers, run twice a year and published to promote competition and transparency in the credit card market; data has been collected since 1990.","source":"https://www.consumerfinance.gov/data-research/credit-card-data/terms-credit-card-plans-survey/"},"who_files":{"text":"Card issuers the Bureau selects for the survey panel. The Bureau no longer invites voluntary submissions.","source":"https://www.consumerfinance.gov/data-research/credit-card-data/terms-credit-card-plans-survey/"},"frequency":{"value":"semi-annual","text":"Twice a year: the January to June reporting period is due the following September, and the July to December period is due the following March.","source":"https://www.consumerfinance.gov/data-research/credit-card-data/terms-credit-card-plans-survey/"},"deadline":{"text":"The January-June submission is due in September of the same year; the July-December submission is due in March of the following year.","source":"https://www.consumerfinance.gov/data-research/credit-card-data/terms-credit-card-plans-survey/"},"formats":{"values":["Web form"],"text":"Selected issuers submit through Collect.","source":"https://www.consumerfinance.gov/data-research/credit-card-data/terms-credit-card-plans-survey/"},"legal_basis":[{"title":"Fair Credit and Charge Card Disclosure Act of 1988","url":"https://www.consumerfinance.gov/data-research/credit-card-data/terms-credit-card-plans-survey/"}],"templates":{"count":0,"items":[],"note":"A structured data return of card terms across many issuers; not divided into separate schedules.","source":"https://www.consumerfinance.gov/data-research/credit-card-data/terms-credit-card-plans-survey/"},"documents":["cfpb-tccp-survey"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No standalone, published catalogue of edit checks was found on the page read.","source":"https://www.consumerfinance.gov/data-research/credit-card-data/terms-credit-card-plans-survey/"},"public_data":{"level":"firm-level","text":"Data for all surveyed issuers, and a data dictionary, is published twice a year and free for anyone to use.","url":"https://www.consumerfinance.gov/data-research/credit-card-data/terms-credit-card-plans-survey/","format":"CSV","source":"https://www.consumerfinance.gov/data-research/credit-card-data/terms-credit-card-plans-survey/"},"sources":["https://www.consumerfinance.gov/data-research/credit-card-data/terms-credit-card-plans-survey/"]},{"id":"cfpb-prepaid-account-agreements","code":"Prepaid Account Agreement Submission","name":"Prepaid account agreement submissions","official_name":"Internet posting of prepaid account agreements (Regulation E and Regulation Z, the Prepaid Rule)","group":"Prepaid accounts","status":"in force","purpose":{"text":"Builds a public, searchable database of prepaid account agreements, created under the Prepaid Rule's comprehensive consumer protections for prepaid accounts.","source":"https://www.consumerfinance.gov/data-research/prepaid-accounts/"},"who_files":{"text":"Prepaid account issuers.","source":"https://www.consumerfinance.gov/data-research/prepaid-accounts/"},"frequency":{"value":"event-driven","text":"On a rolling basis, whenever an issuer offers, amends or ceases to offer a prepaid account agreement.","source":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1005.pdf"},"deadline":{"text":"No later than 30 days after the issuer offers, amends or ceases to offer the agreement (12 CFR 1005.19(b)(1)).","source":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1005.pdf"},"formats":{"values":["Web form"],"text":"Submitted through Collect.","source":"https://www.consumerfinance.gov/data-research/prepaid-accounts/"},"legal_basis":[{"title":"Regulation E, 12 CFR 1005.19 (Internet posting of prepaid account agreements), implementing the Prepaid Rule together with Regulation Z","url":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1005.pdf"}],"templates":{"count":0,"items":[],"note":"The current agreement and its fee information; not divided into separate schedules.","source":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1005.pdf"},"documents":["cfpb-prepaid-accounts","cfr-12-part1005"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No standalone, published catalogue of edit checks was found on the pages read.","source":"https://www.consumerfinance.gov/data-research/prepaid-accounts/"},"public_data":{"level":"firm-level","text":"The Bureau maintains a public, searchable database of prepaid account agreements and their supporting metadata.","url":"https://www.consumerfinance.gov/data-research/prepaid-accounts/","source":"https://www.consumerfinance.gov/data-research/prepaid-accounts/"},"sources":["https://www.consumerfinance.gov/data-research/prepaid-accounts/","https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1005.pdf"]},{"id":"cfpb-nonbank-registry","code":"Nonbank Registry (12 CFR Part 1092)","name":"Registry of nonbank covered persons subject to agency and court orders","official_name":"Registration of Nonbank Covered Persons Subject to Certain Agency and Court Orders","group":"Registration programs","status":"discontinued","status_note":{"text":"This rule required certain nonbank covered persons subject to specified final public orders obtained or issued by a government agency, in connection with offering or providing a consumer financial product or service, to report the orders and related information to a Bureau registry. The Bureau rescinded the rule by a final rule issued and effective 29 October 2025, so no nonbank covered person is required to register or report under it now.","source":"https://www.consumerfinance.gov/rules-policy/final-rules/registry-of-nonbank-covered-persons-subject-to-certain-agency-and-court-orders-rescission/"},"purpose":{"text":"Was intended to let the Bureau and the public see which nonbank companies were subject to government or court orders over consumer financial products or services; no longer in effect.","source":"https://www.consumerfinance.gov/rules-policy/final-rules/registry-of-nonbank-covered-persons-subject-to-certain-agency-and-court-orders-rescission/"},"who_files":{"text":"No longer applicable: the rule is rescinded.","source":"https://www.consumerfinance.gov/rules-policy/final-rules/registry-of-nonbank-covered-persons-subject-to-certain-agency-and-court-orders-rescission/"},"frequency":{"value":"event-driven","text":"As the rule was structured, an initial registration followed by updates whenever a new covered order was issued; moot now that the rule is rescinded.","source":"https://www.consumerfinance.gov/rules-policy/final-rules/registry-of-nonbank-covered-persons-subject-to-certain-agency-and-court-orders-rescission/"},"deadline":{"text":"Not stated here: the rule was rescinded, effective 29 October 2025, so no filing deadline currently applies.","source":"https://www.consumerfinance.gov/rules-policy/final-rules/registry-of-nonbank-covered-persons-subject-to-certain-agency-and-court-orders-rescission/"},"formats":{"values":["Other"],"text":"No longer filed.","source":"https://www.consumerfinance.gov/rules-policy/final-rules/registry-of-nonbank-covered-persons-subject-to-certain-agency-and-court-orders-rescission/"},"legal_basis":[{"title":"Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; Rescission (12 CFR Part 1092, RIN 3170-AB32)","url":"https://www.consumerfinance.gov/rules-policy/final-rules/registry-of-nonbank-covered-persons-subject-to-certain-agency-and-court-orders-rescission/"}],"templates":{"count":0,"items":[],"note":"No longer applicable.","source":"https://www.consumerfinance.gov/rules-policy/final-rules/registry-of-nonbank-covered-persons-subject-to-certain-agency-and-court-orders-rescission/"},"documents":["cfpb-nonbank-registry-rescission"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No longer applicable.","source":"https://www.consumerfinance.gov/rules-policy/final-rules/registry-of-nonbank-covered-persons-subject-to-certain-agency-and-court-orders-rescission/"},"public_data":{"level":"none found","text":"No registry data was ever made public before the rule was rescinded, so far as the pages read here show.","source":"https://www.consumerfinance.gov/rules-policy/final-rules/registry-of-nonbank-covered-persons-subject-to-certain-agency-and-court-orders-rescission/"},"sources":["https://www.consumerfinance.gov/rules-policy/final-rules/registry-of-nonbank-covered-persons-subject-to-certain-agency-and-court-orders-rescission/"]},{"id":"cfpb-ilsa-registration","code":"ILSA Registration and Annual Report of Activity","name":"Interstate land sales registration and annual report","official_name":"Interstate Land Sales Full Disclosure Act registration (Regulation J) and Annual Report of Activity","group":"Registration programs","status":"in force","purpose":{"text":"Requires a developer of a subdivision of 100 or more non-exempt lots to register the subdivision with the Bureau and give lot purchasers a disclosure statement (a property report) before a sales contract is signed.","source":"https://www.consumerfinance.gov/compliance/registration-and-submission-programs/"},"who_files":{"text":"A developer of a subdivision containing 100 or more non-exempt lots.","source":"https://www.consumerfinance.gov/compliance/registration-and-submission-programs/"},"frequency":{"value":"varies","text":"An initial (or consolidated) Statement of Record registration, then an Annual Report of Activity for as long as the registration is in effect and not suspended.","source":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol10/pdf/CFR-2025-title12-vol10-part1010.pdf"},"deadline":{"text":"The Annual Report of Activity must be submitted within 30 days of the annual anniversary of the effective date of the initial Statement of Record (12 CFR 1010.310(b)).","source":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol10/pdf/CFR-2025-title12-vol10-part1010.pdf"},"formats":{"values":["Web form","PDF"],"text":"Filed electronically under 12 CFR 1010.20(a); the registration fee is paid electronically through Pay.gov under 12 CFR 1010.35(a)(1)(ii).","source":"https://www.consumerfinance.gov/compliance/registration-and-submission-programs/"},"legal_basis":[{"title":"Interstate Land Sales Full Disclosure Act and Regulation J, 12 CFR Part 1010, especially §§ 1010.20 to .22 (Statement of Record) and § 1010.310 (Annual Report of Activity)","url":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol10/pdf/CFR-2025-title12-vol10-part1010.pdf"}],"templates":{"count":2,"items":[{"code":"Statement of Record","name":"Initial or consolidated subdivision registration and property report"},{"code":"Annual Report of Activity","name":"Yearly update on lots remaining for sale and any material changes"}],"note":"The property report portion of the Statement of Record is the disclosure document given to purchasers.","source":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol10/pdf/CFR-2025-title12-vol10-part1010.pdf"},"documents":["cfpb-registration-submission-programs","cfpb-ilsa-electronic-filing-instructions","cfpb-ilsa-electronic-payment-instructions","cfr-12-part1010"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No standalone, published catalogue of edit checks was found on the pages read; the Director reviews each Statement of Record for completeness.","source":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol10/pdf/CFR-2025-title12-vol10-part1010.pdf"},"public_data":{"level":"none found","text":"No public, firm-level or aggregate dataset of ILSA registrations was found on the pages read.","source":"https://www.consumerfinance.gov/compliance/registration-and-submission-programs/"},"sources":["https://www.consumerfinance.gov/compliance/registration-and-submission-programs/","https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol10/pdf/CFR-2025-title12-vol10-part1010.pdf"]}],"documents":[{"id":"cfpb-website-privacy-policy","title":"Website Privacy Policy and Legal Notices","url":"https://www.consumerfinance.gov/privacy/website-privacy-policy/","role":"guidance","file_type":"html","downloadable":true,"size_bytes":159054,"sha256":null,"date":null,"note":"States the Bureau's public-domain reuse policy and trademark notice."},{"id":"cfpb-registration-submission-programs","title":"Registration and Submission Programs","url":"https://www.consumerfinance.gov/compliance/registration-and-submission-programs/","role":"list of returns","file_type":"html","downloadable":true,"size_bytes":149953,"sha256":null,"date":null,"note":"Names the returns relied on here: prepaid account agreements, credit card agreements (including college agreements and the TCCP Survey), HMDA, small business lending, and the ILSA registration program."},{"id":"cfpb-hmda-main","title":"Mortgage data (HMDA)","url":"https://www.consumerfinance.gov/data-research/hmda/","role":"guidance","file_type":"html","downloadable":true,"size_bytes":144277,"sha256":null,"date":null,"note":"Confirms HMDA is implemented by Regulation C and that institutions use the HMDA Platform to upload, review edits on, certify and submit their loan/application register."},{"id":"cfpb-hmda-reporting-requirements","title":"Home mortgage disclosure reporting requirements (HMDA)","url":"https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/hmda-reporting-requirements/","role":"guidance","file_type":"html","downloadable":true,"size_bytes":161936,"sha256":null,"date":null,"note":"Links Regulation C's institutional and transactional coverage charts and the Filing Instructions Guide used to prepare a HMDA submission."},{"id":"cfpb-sbl-main","title":"Small business lending database","url":"https://www.consumerfinance.gov/data-research/small-business-lending/","role":"guidance","file_type":"html","downloadable":true,"size_bytes":146245,"sha256":null,"date":"2026-05-01","note":"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."},{"id":"cfpb-sbl-2026-final-rule","title":"Small Business Lending under the Equal Credit Opportunity Act (Regulation B)","url":"https://www.consumerfinance.gov/rules-policy/final-rules/small-business-lending-under-the-equal-credit-opportunity-act-regulation-b-2026/","role":"legal text","file_type":"html","downloadable":true,"size_bytes":146632,"sha256":null,"date":"2026-05-01","note":"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)."},{"id":"cfpb-sbl-compliance","title":"Small business lending collection and reporting requirements","url":"https://www.consumerfinance.gov/compliance/compliance-resources/small-business-lending-resources/small-business-lending-collection-and-reporting-requirements/","role":"guidance","file_type":"html","downloadable":true,"size_bytes":147551,"sha256":null,"date":"2026-05-01","note":"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."},{"id":"cfpb-sbl-data-points-spec","title":"Small business lending data points file specification, 2025 collection year","url":"https://raw.githubusercontent.com/cfpb/sbl-content/main/fig-files/file-spec/2025-data-points.csv","role":"data dictionary","file_type":"csv","downloadable":true,"size_bytes":67097,"sha256":"82527deb7736948d9f1ac5ec474ab860285e99a4f9059517783039ead56c388b","date":null,"note":"The Bureau's own published list of the data points a covered financial institution must report, linked from its small-business-lending page."},{"id":"cfpb-sbl-validation-spec","title":"Small business lending validation rules, 2025 collection year","url":"https://raw.githubusercontent.com/cfpb/sbl-content/main/fig-files/validation-spec/2025-validations.csv","role":"validation rules","file_type":"csv","downloadable":true,"size_bytes":71303,"sha256":"aaa657fb9f1f3f4155cd7f2b4e718348a4cdbf405a27a3e8df1893d77d22d725","date":null,"note":"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."},{"id":"cfpb-credit-card-agreement-submission","title":"Credit Card Agreement Submission","url":"https://www.consumerfinance.gov/data-research/credit-card-data/credit-card-agreement-submission/","role":"guidance","file_type":"html","downloadable":true,"size_bytes":144851,"sha256":null,"date":null,"note":"States that issuers use Collect to submit agreements and that the Bureau's database now holds agreements from more than 600 card issuers."},{"id":"cfpb-college-credit-card-agreement-submission","title":"College credit card agreements submission","url":"https://www.consumerfinance.gov/data-research/credit-card-data/college-credit-card-agreement-submission/","role":"guidance","file_type":"html","downloadable":true,"size_bytes":144024,"sha256":null,"date":null,"note":"Describes the annual report card issuers file on college credit card marketing agreements, also submitted through Collect."},{"id":"cfpb-tccp-survey","title":"Terms of Credit Card Plans (TCCP) survey","url":"https://www.consumerfinance.gov/data-research/credit-card-data/terms-credit-card-plans-survey/","role":"guidance","file_type":"html","downloadable":true,"size_bytes":146864,"sha256":null,"date":null,"note":"States the survey has run since 1990 under the Fair Credit and Charge Card Disclosure Act of 1988, now covers over 150 issuers, and that each reporting period is due the following September or March."},{"id":"cfpb-prepaid-accounts","title":"Prepaid Account Agreements","url":"https://www.consumerfinance.gov/data-research/prepaid-accounts/","role":"guidance","file_type":"html","downloadable":true,"size_bytes":145937,"sha256":null,"date":null,"note":"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."},{"id":"cfpb-nonbank-registry-rescission","title":"Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; Rescission","url":"https://www.consumerfinance.gov/rules-policy/final-rules/registry-of-nonbank-covered-persons-subject-to-certain-agency-and-court-orders-rescission/","role":"legal text","file_type":"html","downloadable":true,"size_bytes":145074,"sha256":null,"date":"2025-10-29","note":"The Bureau's own final rule, issued and effective 29 October 2025 (90 FR 48760, docket CFPB-2025-0011, RIN 3170-AB32, 12 CFR Part 1092), rescinding the rule that required certain nonbank covered persons to report specified agency or court orders to a Bureau registry."},{"id":"cfpb-ilsa-electronic-filing-instructions","title":"Electronic Filing Instructions (pursuant to 12 CFR 1010.20(a))","url":"https://files.consumerfinance.gov/f/documents/cfpb_ILSA-Electronic-Filing-_Instructions_2026.10.27.pdf","role":"instructions","file_type":"pdf","downloadable":true,"size_bytes":333081,"sha256":"a3095e2614f30a0518ed59ee035dadf4ba86dffb989f7e8d8d07c03af321512a","date":"2026-10-27","note":"How a developer files an Interstate Land Sales Statement of Record electronically with the Bureau."},{"id":"cfpb-ilsa-electronic-payment-instructions","title":"Electronic Payment Instructions (pursuant to 12 CFR 1010.35(a)(1)(ii))","url":"https://files.consumerfinance.gov/f/documents/electronic_payment_instructions-design-v3.pdf","role":"instructions","file_type":"pdf","downloadable":true,"size_bytes":55896,"sha256":"1ccd47320289fa3cbcc2e510eabe0117274745ca1f9fbf9194f71a26b471b429","date":"2026-03-17","note":"Pay.gov is used for the ILSA registration fee payment referenced on this page."},{"id":"cfr-12-part1002","title":"12 CFR Part 1002, Equal Credit Opportunity Act (Regulation B) (2025 annual edition)","url":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1002.pdf","role":"legal text","file_type":"pdf","downloadable":true,"size_bytes":8196811,"sha256":"5ae58eb42be074960abfb26e61b9ecb802767746530469a30c93635ecdea4ab9","date":"2025-01-01","note":"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."},{"id":"cfr-12-part1003","title":"12 CFR Part 1003, Home Mortgage Disclosure (Regulation C) (2025 annual edition)","url":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1003.pdf","role":"legal text","file_type":"pdf","downloadable":true,"size_bytes":506428,"sha256":"98bcadadff353ee449bfb0ce723d0e7483c9af4858a26fa511cf01050e5c4630","date":"2025-01-01","note":"Section 1003.5 sets the annual (1 March) and, for large-volume filers, quarterly (60-day) HMDA reporting deadlines relied on here."},{"id":"cfr-12-part1005","title":"12 CFR Part 1005, Electronic Fund Transfers (Regulation E) (2025 annual edition)","url":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1005.pdf","role":"legal text","file_type":"pdf","downloadable":true,"size_bytes":7100643,"sha256":"db78790b068059e418292288a81e28f7c3f8b5018633afcf4d796bb76a171b5b","date":"2025-01-01","note":"Section 1005.19 (Internet posting of prepaid account agreements) sets the rolling, 30-day submission deadline relied on here."},{"id":"cfr-12-part1010","title":"12 CFR Part 1010, Land Registration (Regulation J) (2025 annual edition)","url":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol10/pdf/CFR-2025-title12-vol10-part1010.pdf","role":"legal text","file_type":"pdf","downloadable":true,"size_bytes":332858,"sha256":"962dfc1b5374d503e7c2baa9a1f2c05e5a8055a88ac1af42c1fdc824f7712b95","date":"2025-01-01","note":"Sections 1010.20 to .22 set the Statement of Record registration requirements and § 1010.310 the Annual Report of Activity relied on here."},{"id":"cfr-12-part1026","title":"12 CFR Part 1026, Truth in Lending (Regulation Z) (2025 annual edition)","url":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026.pdf","role":"legal text","file_type":"pdf","downloadable":true,"size_bytes":94814595,"sha256":"4e583ccebe0f81a5603040083c4f70f6004c81717d17af3e257a2e3f0e5c131f","date":"2025-01-01","note":"Section 1026.58 (quarterly credit card agreement submission) and § 1026.57(d) (annual college credit card agreement report) are the provisions relied on here."}]}]}