Loan impact
From the rulemaking text · verifiedApplies to: Nonbank consumer debt collectors that may be larger participants under the CFPB's supervision test; no mortgage loan underwriting is affected.
- Effective
- Sep 22, 2025
- Applicability confidence
- Verified: every row above is supported by the source text
What to do
AWACS interpretation · not source languageWhat to review: No change in this record is mandatory, so nothing is required of lenders. It is an advance notice asking for public comment, with comments due September 22, 2025, on whether to raise the $10 million annual receipts threshold for larger participants in the consumer debt collection market. Compliance may check whether it wants to submit a comment. The record says mortgage loan underwriting is not affected.
Source and record
Version 1 · archivedChecks passed
- Schema valid
- Effective quotes verbatim
- Document ID appears in the source
- Doc id matches catalog
- Mandatory status is backed by requirement language
- Mandatory entries have requirement language
- Published on present
- Title summary length
- Controlled vocabulary
- No placeholder tokens
- Source link resolves
- Loan impact quotes verbatim
- Loan impact vocabulary
- Changes quoted
- Impact type consistent
- Every required change is backed by obligation language
- Only new or tightened changes are marked required
- Loan impact covers every required change
- Quotes are complete sentences
- Unflagged must
- Diff complete
- Mandatory date resolved
- Audience verbatim
- Scope residential
- Out of scope
- Published in window
- Interpretation schema valid
- Interpretation separate
Source
- Advance Notice of Proposed Rulemaking FR Doc. 2025-15091 (official) ↗ (opens in a new tab)
- Archived copy, SHA-256 78c874105c79…
- Report an error · How versions work