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<REGINFO_RIN_DATA xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" RUN_DATE="2026-04-25-04:00" xsi:noNamespaceSchemaLocation="https://www.reginfo.gov/public/xml/REGINFO_XML_Ver10262011.xsd">
    <RIN_INFO>
        <RIN>3170-AA46</RIN>
        <PUBLICATION>
            <PUBLICATION_ID>201404</PUBLICATION_ID>
            <PUBLICATION_TITLE>Unified Agenda of Federal Regulatory and Deregulatory Actions</PUBLICATION_TITLE>
        </PUBLICATION>
        <AGENCY>
            <CODE>3170</CODE>
            <NAME>Consumer Financial Protection Bureau</NAME>
            <ACRONYM>CFPB</ACRONYM>
        </AGENCY>
        <RULE_TITLE>Defining Larger Participants in a Market for Auto Lending</RULE_TITLE>
        <ABSTRACT><![CDATA[Under the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act), the CFPB anticipates proposing to amend the regulation defining larger participants of certain consumer financial product and service markets by adding a new section to define larger participants of a market for auto lending. The CFPB has the authority to supervise nonbank covered persons of all sizes in the residential mortgage, private education lending, and payday lending markets.  In addition, the CFPB has the authority to supervise nonbank "larger participant[s]" of markets for other consumer financial products or services, as the CFPB defines by rule.  The CFPB is developing a proposal that would identify a market for auto lending and define "larger participants" of that market that would be subject to the CFPB's supervisory authority.]]></ABSTRACT>
        <PRIORITY_CATEGORY>Substantive, Nonsignificant</PRIORITY_CATEGORY>
        <RIN_STATUS>First Time Published in The Unified Agenda</RIN_STATUS>
        <RULE_STAGE>Proposed Rule Stage</RULE_STAGE>
        <MAJOR>Undetermined</MAJOR>
        <UNFUNDED_MANDATE_LIST>
            <UNFUNDED_MANDATE>No</UNFUNDED_MANDATE>
        </UNFUNDED_MANDATE_LIST>
        <CFR_LIST>
            <CFR>Not Yet Determined</CFR>
        </CFR_LIST>
        <LEGAL_AUTHORITY_LIST>
            <LEGAL_AUTHORITY>12 USC 5514(a)(1)(B)</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 5514(a)(2)</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 5512(b)(1)</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 5514(b)(7)(A)</LEGAL_AUTHORITY>
        </LEGAL_AUTHORITY_LIST>
        <LEGAL_DLINE_LIST/>
        <RPLAN_ENTRY>No</RPLAN_ENTRY>
        <TIMETABLE_LIST>
            <TIMETABLE>
                <TTBL_ACTION>NPRM</TTBL_ACTION>
                <TTBL_DATE>08/00/2014</TTBL_DATE>
            </TIMETABLE>
        </TIMETABLE_LIST>
        <RFA_REQUIRED>Undetermined</RFA_REQUIRED>
        <GOVT_LEVEL_LIST>
            <GOVT_LEVEL>None</GOVT_LEVEL>
        </GOVT_LEVEL_LIST>
        <FEDERALISM>Undetermined</FEDERALISM>
        <ENERGY_AFFECTED>Undetermined</ENERGY_AFFECTED>
        <PRINT_PAPER>No</PRINT_PAPER>
        <INTERNATIONAL_INTEREST>No</INTERNATIONAL_INTEREST>
        <AGENCY_CONTACT_LIST>
            <CONTACT>
                <FIRST_NAME>Andrea</FIRST_NAME>
                <LAST_NAME>Edmonds</LAST_NAME>
                <TITLE>Office of Regulations</TITLE>
                <AGENCY>
                    <CODE>3170</CODE>
                    <NAME>Consumer Financial Protection Bureau</NAME>
                    <ACRONYM>CFPB</ACRONYM>
                </AGENCY>
                <PHONE>202 435-7700</PHONE>
                <MAILING_ADDRESS>
                    <STREET_ADDRESS></STREET_ADDRESS>
                </MAILING_ADDRESS>
            </CONTACT>
        </AGENCY_CONTACT_LIST>
    </RIN_INFO>
</REGINFO_RIN_DATA>
