Noisy
← this week  ·  Subscribe →

The world is being quietly rearranged by people who write very long documents.

Federal Register · October 2, 2025
The title they went with Small Business Lending Under the Equal Credit Opportunity Act (Regulation B); Extension of Compliance Dates Noisy translates that to

Small business lenders get another year to prepare for new data rules

What happened
The Consumer Financial Protection Bureau has pushed back the deadline for banks to collect and report data on small business loans. Lenders now have until 2026 to comply with rules meant to prevent discrimination.
Why it matters
The government wants to collect data on small business loans to see if lenders are discriminating. This rule was supposed to start in 2024, then 2025, and now 2026. Each delay means less transparency for longer, and less pressure on lenders to change their practices. It also means that the data, when it finally arrives, will be less useful for comparing lending behavior over time.
The signal
Watch for the next proposed compliance date extension, or if the CFPB changes the data collection requirements themselves.
If you insist
Read the original →