CFPB withdraws its two AI circulars, May 2025
Is this legally binding?
Binding. Binding law. It applies to everyone in scope, whether or not anyone points at it.
This guidance was withdrawn. The law it interpreted was not repealed, and still binds.
Circulars 2022-03 and 2023-03, which told lenders how adverse action notices had to work for complex algorithms, were withdrawn in a bulk withdrawal of 67 guidance documents published 12 May 2025. Regulation B was not amended.
What this connects to
1 relations. Official relations are the ones the source documents state; anything marked GAGE analysis is our reading, not an agency's.
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