Regulatory Compliance for Prepaid Accounts: A Review of Regulation E and Regulation Z

Summary

The Consumer Financial Protection Bureau (CFPB) has issued new guidelines for prepaid accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth in Lending Act (Regulation Z), aiming to enhance consumer protection and transparency in prepaid account transactions.

Original source language: Federal Register — Consumer Financial Protection BureauOpen original release →

Add your company to Business Communicator

We monitor business sources and connect attention with companies, profiles and services available in Business Communicator.

Create a free company profile Explore businesses on Business Maps →

Create a free company profile →

Explore insights

Business insights →

Global Markets News Trade Regulation News Business Technology News Fintech for Business: Payments & Banking News Supply Chain News Central Bank Policy News

Related business signals

Finance & markets · 12/23/2025

CFPB Issues Advisory Opinion on Earned Wage Access Products Under Regulation Z

The Consumer Financial Protection Bureau (CFPB) is issuing an advisory opinion to clarify the applicability of Regulation Z to earned wage access products, withdrawing a proposed interpretive rule in the process. The CFPB aims to resolve regulatory uncertainty regarding the definition of credit and finance charge under the Truth in Lending Act.

Read summary →

Finance & markets · 6/8/2026

Consumer Financial Protection Bureau Issues Statement on Ability to Repay and Immigration Status

The Consumer Financial Protection Bureau (CFPB) is reminding creditors of their obligations under the Truth in Lending Act (TILA) and Regulation Z, as mandated by Executive Order 14406.

Read summary →

Finance & markets · 4/22/2026

Consumer Financial Protection Bureau Issues Final Rule on Equal Credit Opportunity Act

The CFPB is amending Regulation B to clarify obligations under the Equal Credit Opportunity Act, aiming to facilitate compliance and address disparate impact and discouragement of applicants.

Read summary →

Finance & markets · 6/17/2026

Consumer Financial Protection Bureau Rescinds Advisory Opinion on Regulation B

The Consumer Financial Protection Bureau (CFPB) is rescinding an advisory opinion issued in December 2020 regarding Regulation B, which implements the Equal Credit Opportunity Act (ECOA), as it applies to special purpose credit programs designed and implemented by for-profit organizations to meet special social needs.

Read summary →

Finance & markets · 5/1/2026

CFPB Revises Regulation B to Streamline Small Business Lending

The Consumer Financial Protection Bureau is revising certain provisions of Regulation B to simplify small business lending, improve data quality, and reduce complexity for lenders, as part of changes to the Equal Credit Opportunity Act.

Read summary →

Finance & markets · 1/7/2026

Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold

The Consumer Financial Protection Bureau (Bureau) is amending the official commentary to its Regulation Z to adjust the asset-size exemptions for creditors and insured depository institutions, exempting them from escrow requirements for higher-priced mortgage loans. The exemption thresholds are increased to $2.785 billion for creditors and affiliates and $12.485 billion for insured depository institutions and credit unions with $10 billion or less in assets.

Read summary →