[Federal Register Volume 85, Number 165 (Tuesday, August 25, 2020)]
[Notices]
[Pages 52332-52333]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2020-18557]


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BUREAU OF CONSUMER FINANCIAL PROTECTION

[Docket No. CFPB-2020-0026]


Request for Information on the Equal Credit Opportunity Act and 
Regulation B; Extension of Comment Period

AGENCY: Bureau of Consumer Financial Protection.

ACTION: Notice and request for information; extension of comment 
period.

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SUMMARY: On August 3, 2020, the Bureau of Consumer Financial Protection 
(Bureau) published in the Federal Register a Request for Information 
(RFI) seeking comments and information to identify opportunities to 
prevent credit discrimination, encourage responsible innovation, 
promote fair, equitable, and nondiscriminatory access to credit, 
address potential regulatory uncertainty, and develop viable solutions 
to regulatory compliance challenges under the Equal Credit Opportunity 
Act (ECOA) and Regulation B. The RFI provided a 60-day comment period 
that was set to close on October 2, 2020. To allow interested persons 
more time to consider and submit their comments, the Bureau is 
extending the comment period until December 1, 2020.

DATES: The comment period for the RFI published August 3, 2020, at 85 
FR 46600, is extended. Responses to the RFI must now be received on or 
before December 1, 2020.

ADDRESSES: You may submit responsive information and other comments, 
identified by Docket No. CFPB-2020-0026, by any of the following 
methods:
     Federal eRulemaking Portal: Go to http://www.regulations.gov. Follow the instructions for submitting comments.
     Email: [email protected]. Include Docket No. CFPB-
2020-0026 in the subject line of the message.
     Mail/Hand Delivery/Courier: Comment Intake, Bureau of 
Consumer Financial Protection, 1700 G Street NW, Washington, DC 20552. 
Please note that due to circumstances associated with the COVID-19 
pandemic, the Bureau discourages the submission of comments by mail, 
hand delivery, or courier.
     Instructions: The Bureau encourages the early submission 
of comments. All submissions must include the document title and docket 
number. Because paper mail in the Washington, DC area and at the Bureau 
is subject to delay, and in light of difficulties associated with mail 
and hand deliveries during the COVID-19 pandemic, commenters are 
encouraged to submit comments electronically. In general, all comments 
received will be posted without change to http://www.regulations.gov. 
In addition, once the Bureau's headquarters reopens, comments will be 
available for public inspection and copying at 1700 G Street NW, 
Washington, DC 20552, on official business days between the hours of 10 
a.m. and 5 p.m. Eastern Time. At that time, you can make an appointment 
to inspect the documents by telephoning 202-435-9169.
    All submissions in response to this request for information (RFI), 
including attachments and other supporting materials, will become part 
of the public record and subject to public disclosure. Please do not 
include sensitive personal information in your submissions, such as 
account numbers or Social Security numbers, or names of other 
individuals, or other information that you would not ordinarily make 
public, such as trade secrets or confidential commercial information. 
Submissions will not be edited to remove any identifying or contact 
information, or other information that you would not ordinarily make 
public. If you wish to submit trade secret or confidential commercial 
information, please contact the individuals listed in the FOR FURTHER 
INFORMATION CONTACT section below. Information submitted to the Bureau 
will be treated in accordance with the Bureau's Rule on the Disclosure 
of Records and Information, 12 CFR part 1070 et seq.

FOR FURTHER INFORMATION CONTACT: For general inquiries and submission 
process questions, please call Pavy Bacon, Senior Counsel, Office of 
Regulations at 202-435-7700. If you require this document in an 
alternative electronic format, please contact 
[email protected].

SUPPLEMENTARY INFORMATION: On July 28, 2020, the Bureau issued an RFI 
to seek comments on the actions it can take or should consider taking 
to prevent credit discrimination, encourage responsible innovation, 
promote fair, equitable, and nondiscriminatory access to credit, 
address potential regulatory uncertainty, and develop viable solutions 
to regulatory compliance challenges under ECOA and Regulation B. The 
RFI was published in the Federal Register on August 3, 2020.\1\
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    \1\ 85 FR 46600 (Aug. 3, 2020).
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    The RFI provided a 60-day public comment period that was set to 
close on October 2, 2020. Subsequent to issuance of the RFI, 
representatives from several

[[Page 52333]]

industry organizations and consumer groups asked the Bureau to extend 
the deadline for submission of comments, to allow interested parties 
more time to conduct outreach to relevant constituencies and to address 
the many issues raised in the RFI. The Bureau believes that an 
extension of the RFI comment period to December 1, 2020, is 
appropriate. This extension should allow interested parties more time 
to prepare responses to the RFI. The RFI comment period will now close 
on December 1, 2020.

Signing Authority

    The Director of the Bureau, having reviewed and approved this 
document, is delegating the authority to electronically sign this 
document to Laura Galban, a Bureau Federal Register Liaison, for 
purposes of publication in the Federal Register.

    Dated: August 19, 2020.
Laura Galban,
Federal Register Liaison, Bureau of Consumer Financial Protection.
[FR Doc. 2020-18557 Filed 8-24-20; 8:45 am]
BILLING CODE 4810-AM-P