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CFPB RIN: 3170-AB50 Publication ID: 2026 
Title: Defining Larger Participants of the Automobile Financing Market 
Abstract:

The Consumer Financial Protection Bureau (Bureau) issued an advance notice of proposed rulemaking on August 8, 2025 related to whether it should amend the test to define larger participants in the automobile financing market established by the CFPB’s Defining Larger Participants of the Automobile Financing Market and Defining Certain Automobile Leasing Activity as a Financial Product or Service Final Rule published on June 30, 2015. 

 
Agency: Consumer Financial Protection Bureau(CFPB)  Priority: Other Significant 
RIN Status: Previously published in the Unified Agenda Agenda Stage of Rulemaking: Proposed Rule Stage 
Major: Undetermined  Unfunded Mandates: No 
EO 14192 Designation: Other 
CFR Citation: 12 CFR 1090   
Legal Authority: Not Yet Determined   
Legal Deadline:  None
Timetable:
Action Date FR Cite
ANPRM  08/08/2025  90 FR 38415   
NPRM  09/00/2026 
Regulatory Flexibility Analysis Required: Undetermined  Government Levels Affected: Undetermined 
Federalism: Undetermined 
Included in the Regulatory Plan: No 
RIN Data Printed in the FR: No 
Agency Contact:
John Dey
Office of Law & Policy, Legal Division
Consumer Financial Protection Bureau
1700 G Street NW,
Washington , DC 20552
Phone:202 435-7700