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Consumer Financial Protection Bureau

Consumer Financial Protection Bureau and the Department of Justice Withdraw Joint Statement on Fair Lending and Credit Opportunities for Noncitizen Borrowers

January 12, 2026

Summary

The CFPB and DOJ have formally withdrawn a 2011 joint statement concerning the consideration of immigration status under the Equal Credit Opportunity Act. Creditors must now align their fair lending policies with current regulatory interpretations of ECOA without reliance on that specific guidance.

CFPB and Justice have withdrawn a joint statement linked to a creditor’s consideration of an individual’s immigration status under the Equal Credit Opportunity Act.

Source: https://www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-and-the-department-of-justice-withdraw-joint-statement-on-fair-lending-and-credit-opportunities-for-noncitizen-borrowers/

Common questions

What does "Consumer Financial Protection Bureau and the Department of Justice Withdraw Joint Statement on Fair Lending and Credit Opportunities for Noncitizen Borrowers" cover?
The CFPB and DOJ have formally withdrawn a 2011 joint statement concerning the consideration of immigration status under the Equal Credit Opportunity Act.…
Which agency issued this update?
This update was issued by Consumer Financial Protection Bureau.
When was it published?
It was published on January 12, 2026.

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