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    <RIN_INFO>
        <RIN>3170-AB39</RIN>
        <PUBLICATION>
            <PUBLICATION_ID>202510</PUBLICATION_ID>
            <PUBLICATION_TITLE>The Regulatory Plan and the 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>Personal Financial Data Rights Reconsideration</RULE_TITLE>
        <ABSTRACT><![CDATA[<!DOCTYPE html>
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<p><span class="TextRun SCXW257171384 BCX8" lang="EN-US" xml:lang="EN-US" data-contrast="auto"><span class="NormalTextRun SCXW257171384 BCX8" data-ccp-parastyle="GPOHtml">In November 2024, the&nbsp;</span><span class="NormalTextRun SCXW257171384 BCX8" data-ccp-parastyle="GPOHtml">Consumer Financial Protection Bureau</span><span class="NormalTextRun SCXW257171384 BCX8" data-ccp-parastyle="GPOHtml">&nbsp;</span><span class="NormalTextRun SCXW257171384 BCX8" data-ccp-parastyle="GPOHtml">(Bureau)&nbsp;</span><span class="NormalTextRun SCXW257171384 BCX8" data-ccp-parastyle="GPOHtml">published a final rule&nbsp;</span><span class="NormalTextRun SCXW257171384 BCX8" data-ccp-parastyle="GPOHtml">pursuant to</span><span class="NormalTextRun SCXW257171384 BCX8" data-ccp-parastyle="GPOHtml">&nbsp;section 1033 of the Consumer Financial Protection Act. The final rule became effective on January 17, 2025. The&nbsp;</span><span class="NormalTextRun SCXW257171384 BCX8" data-ccp-parastyle="GPOHtml">Bureau</span><span class="NormalTextRun SCXW257171384 BCX8" data-ccp-parastyle="GPOHtml">&nbsp;plans to&nbsp;</span><span class="NormalTextRun SCXW257171384 BCX8" data-ccp-parastyle="GPOHtml">take the rulemaking steps necessary and&nbsp;</span><span class="NormalTextRun SCXW257171384 BCX8" data-ccp-parastyle="GPOHtml">appropriate&nbsp;</span><span class="NormalTextRun SCXW257171384 BCX8" data-ccp-parastyle="GPOHtml">to</span><span class="NormalTextRun SCXW257171384 BCX8" data-ccp-parastyle="GPOHtml">&nbsp;reconsider the November 2024 final rule. Further information on the procedural history of this rule is available under related RIN 3170-AA78, which pertains to the final rule the Bureau issued in November 2024.</span></span><span class="EOP SCXW257171384 BCX8" data-ccp-props="{&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:480}">&nbsp;</span></p>
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        <PRIORITY_CATEGORY>Other Significant</PRIORITY_CATEGORY>
        <RIN_STATUS>Previously 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>
        <EO_13771_DESIGNATION>Other</EO_13771_DESIGNATION>
        <CFR_LIST>
            <CFR>12 CFR 1033</CFR>
        </CFR_LIST>
        <LEGAL_AUTHORITY_LIST>
            <LEGAL_AUTHORITY>12 U.S.C. 5533</LEGAL_AUTHORITY>
        </LEGAL_AUTHORITY_LIST>
        <LEGAL_DLINE_LIST/>
        <RPLAN_ENTRY>Yes</RPLAN_ENTRY>
        <RPLAN_INFO>
            <STMT_OF_NEED><![CDATA[<!DOCTYPE html>
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<p>In November 2024, pursuant to 12 USC 5533, the CFPB published a final rule that became effective on January 17, 2025. The CFPB plans to issue a proposed rule to reconsider the November 2024 final rule.&nbsp;</p>
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            <LEGAL_BASIS><![CDATA[<!DOCTYPE html>
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<p>12 USC 5533.</p>
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            <ALTERNATIVES><![CDATA[<!DOCTYPE html>
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<p>To be determined.</p>
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            <COSTS_AND_BENEFITS><![CDATA[<!DOCTYPE html>
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<p>To be determined.</p>
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            <RISKS><![CDATA[<!DOCTYPE html>
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<p>To be determined.</p>
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        </RPLAN_INFO>
        <TIMETABLE_LIST>
            <TIMETABLE>
                <TTBL_ACTION>ANPRM</TTBL_ACTION>
                <TTBL_DATE>08/22/2025</TTBL_DATE>
                <FR_CITATION>90 FR 40986</FR_CITATION>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>ANPRM Comment Period End</TTBL_ACTION>
                <TTBL_DATE>10/21/2025</TTBL_DATE>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>NPRM</TTBL_ACTION>
                <TTBL_DATE>07/00/2026</TTBL_DATE>
            </TIMETABLE>
        </TIMETABLE_LIST>
        <RFA_REQUIRED>Undetermined</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>Joseph</FIRST_NAME>
                <LAST_NAME>Baressi</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>1700 G Street NW,</STREET_ADDRESS>
                    <CITY>Washington</CITY>
                    <STATE>DC</STATE>
                    <ZIP>20552</ZIP>
                </MAILING_ADDRESS>
            </CONTACT>
        </AGENCY_CONTACT_LIST>
    </RIN_INFO>
</REGINFO_RIN_DATA>
