Skip to main content

规则和政策

The CFPB implements and enforces federal consumer financial laws to ensure that all 皇冠app下载 have access to markets for consumer financial products and 服务 that are fair, 透明的, 和竞争.

The CFPB’s rulemaking process typically starts with research and is further informed by public input, including field hearings, consumer and industry roundtables, 咨询机构, 在某些情况下, small business review panels. We carefully assess the benefits and costs of the regulations we are considering for 皇冠app下载 and financial institutions. Proposed rules are generally published to give industry, 皇冠app下载, and other external stakeholders an opportunity to comment on their potential impact. Once a regulation is in place, we provide support and resources to help stakeholders understand and comply with the rule.

制定规章

The CFPB aims to makes rules 政府erning consumer finance markets more effective and to create new rules when warranted. Explore the CFPB’s regulatory agenda, rules currently in development, and final rules. You can also learn about how the CFPB works with the Small Business Review Panel on rules that could have significant economic impacts on small entities.

Notices and opportunities to comment

The CFPB publishes notices requesting public comment on a variety of documents, including proposed rules and requests for information. You don’t have to be an expert or a lawyer to give comments. We invite everyone to share their views.

创新

Encouraging consumer-beneficial innovation is one of our key priorities. Our mission is to promote innovation, competition, and consumer access within financial 服务. We’ve created sandbox programs to encourage financial companies to experiment with better products and 服务 for 皇冠app下载.

Petitions for rulemaking

The CFPB responds to petitions from interested persons for the issuance, 修正案, or repeal of a CFPB rule, as required by the Administrative Procedure Act.

Taskforce on Federal Consumer Financial Law

The Taskforce on Federal Consumer Financial Law will bring together external experts to examine ways to harmonize and modernize federal consumer financial laws.

Advisory committees

The CFPB convenes four independent groups for formal input on everything from consumer engagement, to policy development, 研究.

Community banks and credit unions

We work with community banks and credit unions to ensure 皇冠app下载 can choose among a variety of products, 服务, and financial relationships. We especially consider how our rules affect community banks and credit unions.