Consumer Lending Regulatory Changelog

The material changes across US consumer-lending regulators — personal lending and BNPL. Free weekly. Every entry is backed by a preserved, hash-verified snapshot of the source as it read when captured.

Data as of 2026-10-01 · monitored sources: 15 · rules in feed: 50

Human-reviewed changes

Diffs flagged by the crawler, then cleared by a human editor. Nothing appears here unreviewed — this is the product's gate, not a decoration.

DetectedChangeReviewed by
2026-10-01eCFR — title versions
routine eCFR titles index advance
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2026-10-01eCFR — title versions
routine eCFR titles index advance
lelandwrightofficial@gmail.com
2026-10-01California DFPI — news
SEIZURE: DFPI seized Nano Banc (Irvine, CA) Sep 25 2026 — 6th US bank failure of 2026, ~$736M assets / ~$686M deposits; FDIC appointed receiver, Sunwest Bank assumed deposits
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2026-10-01eCFR — title versions
routine eCFR titles index advance
lelandwrightofficial@gmail.com
2026-10-01FDIC — Financial Institution Letters
FDIC FIL index churn: FIL-60 state-bank-parity NPR + FIL-61 rescission added; July items aged off index, none withdrawn
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2026-10-01cfpb-rules
Reg Z annual threshold page reorder, no substantive change
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Latest CFPB rulemaking (Federal Register)

PublishedRule
2026-06-25Financial Data Transparency Act Joint Data Standards
2026-06-17Equal Credit Opportunity (Regulation B); Special Purpose Credit Programs; Rescission
2026-05-01Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)
2026-04-22Equal Credit Opportunity Act (Regulation B)
2026-01-07Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold
2026-01-07Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold
2025-12-16Appraisals for Higher-Priced Mortgage Loans Exemption Threshold
2025-12-15Truth in Lending (Regulation Z)
2025-12-15Consumer Leasing (Regulation M)
2025-12-15Truth in Lending (Regulation Z) Annual Threshold Adjustments (Credit Cards, HOEPA, and Qualified Mortgages)
2025-12-15Fair Credit Reporting Act Disclosures
2025-10-29Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; Rescission
2025-10-29Rules of Practice for Adjudication Proceedings
2025-10-28Fair Credit Reporting Act; Preemption of State Laws
2025-10-02Small Business Lending Under the Equal Credit Opportunity Act (Regulation B); Extension of Compliance Dates

Watched authoritative sources

Each row shows when the source was last captured and the SHA-256 of the preserved text — the evidence digest. Content-addressed snapshots are write-once: history cannot be rewritten.

SourceLast capturedEvidence (sha256)Status
CFPB Rulemaking2026-10-01d11cf9fdad28watched
CFPB Rulemaking2026-10-01d66fbdd9d80fwatched
CFPB — compliance resources2026-10-011ae624e63500watched
CFPB — compliance resources2026-10-013a0318e236efwatched
CFPB — enforcement2026-10-019df5a63e1baewatched
California DFPI — news2026-10-01b1b2639c3017watched
FDIC — Financial Institution Letters2026-10-010e6b41d5132dwatched
Federal Register — CFPB rules2026-10-015cdd43796b87watched
Federal Reserve — SR letters2026-10-01f78b31baf15bwatched
Illinois IDFPR — news2026-10-012f1f3a39f8d7watched
New York DFS — newsroom2026-09-11903c2dbefa72watched
New York DFS — newsroom2026-09-28a57b5533ba79watched
OCC Bulletins & Interpretive Letters2026-10-01b823b8172ab8watched
Oregon DFR — news2026-10-01637a6a6a5e6cwatched
eCFR — title versions2026-10-0118dd123d28cfwatched
Evidence verification: every captured page is stored content-addressed by SHA-256. The digest above is computed over the canonicalized text of the source at capture time. Full snapshots and point-in-time replay are available on the platform. Baseline capture 2026-09-11; per-change entries populate as diffs clear human review. This changelog is informational only and is not legal advice.