<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<REGINFO_RIN_DATA xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" RUN_DATE="2026-04-03-04:00" xsi:noNamespaceSchemaLocation="https://www.reginfo.gov/public/xml/REGINFO_XML_Ver10262011.xsd">
    <RIN_INFO>
        <RIN>3170-AB14</RIN>
        <PUBLICATION>
            <PUBLICATION_ID>202304</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>Registry of Supervised Nonbank That Use Form Contracts to Impose Terms And Conditions That Seek To Waive Or Limit Consumer Legal Protections </RULE_TITLE>
        <ABSTRACT><![CDATA[<!DOCTYPE html>
<html>
<head>
</head>
<body>
<p><span class="TextRun SCXW243089442 BCX8" lang="EN-US" xml:lang="EN-US" data-contrast="auto"><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml">The Bureau </span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml">has </span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml">proposed </span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml">a </span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml">rule that would require </span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml">certain </span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml">supervised nonbank entities to register with the Bureau and provide information about their use of certain terms and conditions in standard-form contracts</span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml"> for consumer financial products or services</span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml"> that seek to waive or limit consumer </span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml">rights or </span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml">legal protections</span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml">.  In particular, the propos</span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml">ed&nbsp;</span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml">rule would</span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml"> collect information</span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml"> on these</span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml"> standard terms </span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml">and conditions used</span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml"> in </span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml">form </span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml">contracts that are not subject to </span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml">negotiati</span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml">on&nbsp;</span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml">and </span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml">are not prominently advertised in marketing. </span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml"> Under the proposal, the Bureau would establish a publicly&nbsp;</span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml">accessible registry that identifies registrants and, subject to applicable law, publish information that registrants submit to the registry about their use of covered terms and conditions.&nbsp; </span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml">On </span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml">February 1, 2023</span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml">, a Notice of Proposed Rulemaking (NPRM) was published in the </span></span><span class="TextRun SCXW243089442 BCX8" lang="EN-US" xml:lang="EN-US" data-contrast="auto"><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml">Federal Register</span></span><span class="TextRun SCXW243089442 BCX8" lang="EN-US" xml:lang="EN-US" data-contrast="auto"><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml">.  The Bureau&rsquo;s next action for th</span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml">is</span><span class="NormalTextRun SCXW243089442 BCX8" data-ccp-parastyle="GPOHtml"> rulemaking is the issuance of a final rule.</span></span><span class="EOP SCXW243089442 BCX8" data-ccp-props="{&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:480}">&nbsp;</span></p>
</body>
</html>]]></ABSTRACT>
        <PRIORITY_CATEGORY>Substantive, Nonsignificant</PRIORITY_CATEGORY>
        <RIN_STATUS>Previously Published in The Unified Agenda</RIN_STATUS>
        <RULE_STAGE>Final Rule Stage</RULE_STAGE>
        <MAJOR>Undetermined</MAJOR>
        <UNFUNDED_MANDATE_LIST>
            <UNFUNDED_MANDATE>Undetermined</UNFUNDED_MANDATE>
        </UNFUNDED_MANDATE_LIST>
        <CFR_LIST>
            <CFR>Not Yet Determined</CFR>
        </CFR_LIST>
        <LEGAL_AUTHORITY_LIST>
            <LEGAL_AUTHORITY>12 U.SC. 5512</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 U.S.C. 5514</LEGAL_AUTHORITY>
        </LEGAL_AUTHORITY_LIST>
        <LEGAL_DLINE_LIST/>
        <RPLAN_ENTRY>No</RPLAN_ENTRY>
        <TIMETABLE_LIST>
            <TIMETABLE>
                <TTBL_ACTION>NPRM</TTBL_ACTION>
                <TTBL_DATE>02/01/2023</TTBL_DATE>
                <FR_CITATION>88 FR 6906</FR_CITATION>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>NPRM Comment Period End</TTBL_ACTION>
                <TTBL_DATE>04/03/2023</TTBL_DATE>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>Final Rule</TTBL_ACTION>
                <TTBL_DATE>11/00/2023</TTBL_DATE>
            </TIMETABLE>
        </TIMETABLE_LIST>
        <RFA_REQUIRED>No</RFA_REQUIRED>
        <GOVT_LEVEL_LIST>
            <GOVT_LEVEL>Undetermined</GOVT_LEVEL>
        </GOVT_LEVEL_LIST>
        <FEDERALISM>Undetermined</FEDERALISM>
        <PRINT_PAPER>No</PRINT_PAPER>
        <INTERNATIONAL_INTEREST>No</INTERNATIONAL_INTEREST>
        <AGENCY_CONTACT_LIST>
            <CONTACT>
                <FIRST_NAME>Owen</FIRST_NAME>
                <LAST_NAME>Bonheimer</LAST_NAME>
                <TITLE>Office of Supervision Policy and Operations</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>
                    <CITY>Washington</CITY>
                    <STATE>DC</STATE>
                    <ZIP>20552</ZIP>
                </MAILING_ADDRESS>
            </CONTACT>
        </AGENCY_CONTACT_LIST>
    </RIN_INFO>
</REGINFO_RIN_DATA>
