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CFPB RIN: 3170-AB55 Publication ID: 2026 
Title: ●Prepaid Accounts Under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z) 
Abstract:

In 2016, the Consumer Financial Protection Bureau (Bureau) issued a final rule that applied the Electronic Fund Transfer Act, the Truth in Lending Act, and their implementing regulations (Regulations E and Z), to prepaid accounts. In light of a Federal court ruling finding that certain aspects of the rule exceeded the Bureau’s authority, the Bureau is considering whether amendments to the rule are necessary to implement this ruling. The Bureau may consider additional revisions to the rule as well. 

 
Agency: Consumer Financial Protection Bureau(CFPB)  Priority: Other Significant 
RIN Status: First time published in the Unified Agenda Agenda Stage of Rulemaking: Prerule Stage 
Major: Undetermined  Unfunded Mandates: No 
EO 14192 Designation: Other 
CFR Citation: 12 CFR 1005    12 CFR 1026   
Legal Authority: 15 U.S.C. 1604    15 U.S.C. 1693b   
Legal Deadline:  None
Timetable:
Action Date FR Cite
Pre-Rule Activity  11/00/2026 
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:
Kristine Andreassen
Office of Regulations
Consumer Financial Protection Bureau
1700 G Street, NW,
Washington, DC 20552
Phone:202 435-7700