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CFPB RIN: 3170-AB52 Publication ID: 2026 
Title: Defining Larger Participants of the Consumer Reporting Market 2025  
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 consumer reporting market established by the Bureau’s Defining Larger Participants of the Consumer Reporting Market Final Rule published on July 20, 2012. 

 
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 38409   
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:
Anuradha Sivaram
Office of Law & Policy, Legal Division
Consumer Financial Protection Bureau
1700 G Street NW,
Washington, DC 20552
Phone:202 435-7700