Key facts
- The CFPB closed 1,327 of 1,552 supervisory actions open as of July 1, 2025, about 86%, per its report.
- The CFPB reassessed all 80 open examinations and closed 66 that did not align with its revised priorities.
- The CFPB reduced scheduled examinations by approximately 50%, focusing on depository institutions and areas within its statutory authority.
- The CFPB said it closed approximately 40% of its pending investigations to align enforcement with revised priorities.
- The CFPB reported receiving approximately 8.27 million consumer complaints from July 1, 2025, to June 30, 2026.
- The CFPB amended Regulation B in April and revised Section 1071 small-business lending requirements in May.
The Consumer Financial Protection Bureau said it closed 1,327 of the 1,552 supervisory actions open as of July 1, 2025, about 86%, according to its semi-annual report released October 27, 2026 and covering the first half of 2026. The bureau said the closures reflected either institutions sufficiently addressing the issues or findings that no longer aligned with its priorities.
The CFPB also reassessed all 80 open examinations and closed 66 that did not align with its revised priorities. The remaining 14 continued with a focus on correcting violations, addressing compliance weaknesses and providing relief to affected consumers. The bureau reduced scheduled examinations by approximately 50%, shifting attention toward depository institutions, activities it deemed actual consumer fraud and areas within its statutory authority. Mortgage origination and servicing remain among its supervisory priorities.
Under its new approach, the CFPB said examinations will focus on clearly identified products and potential violations tied to specific laws and regulations. The bureau also plans to avoid duplicating oversight already conducted by state or other federal regulators.
The CFPB is pursuing several mortgage-related regulatory changes under President Donald Trump's executive order on promoting access to mortgage credit. It is reviewing the ability-to-repay requirements and qualified mortgage definitions under Regulation Z, which apply to most residential mortgages, and is considering a final rule to streamline mortgage servicing requirements under Regulation X. The proposal, initially issued in July 2024, is intended to simplify the loss-mitigation review process and make it easier for servicers to assist borrowers who experience payment difficulties. In July 2026, after the report's primary reporting period, the bureau issued a request for information seeking feedback on ways to promote access to mortgage credit.
The CFPB finalized changes to its fair lending and small-business lending rules. In April, it amended Regulation B, which implements the Equal Credit Opportunity Act, removing longstanding language supporting disparate-impact liability and revising restrictions on discouraging prospective credit applicants. It also prohibited for-profit creditors from using race, color, national origin or sex as eligibility criteria for Special Purpose Credit Programs. A separate May rule revised requirements for small-business lending data collection under Section 1071 of the Dodd-Frank Act, lowering the annual revenue threshold for covered businesses from $5 million to $1 million, removing certain data collection requirements and extending the compliance date to January 1, 2028.
The bureau said it did not cite any fair lending violations during the reporting period and made no referrals to the Department of Justice for potential patterns or practices of lending discrimination, while continuing investigations focused on cases involving intentional discrimination with identifiable victims. Overall, the CFPB said it closed approximately 40% of its pending investigations as part of its effort to align enforcement with its revised priorities.
The bureau reported receiving approximately 8.27 million consumer complaints between July 1, 2025, and June 30, 2026. It sent approximately 7.5 million complaints to companies for review, and companies responded to 99.6% of those complaints. In August, the bureau said it would stop publishing unverified complaint narratives and related data visualizations in its public database, arguing that the accounts present only one side of a dispute and may not reflect violations of law. The bureau said it would continue collecting complaints, reviewing company responses and sharing information with regulators, and that previously published narratives will remain available through its Freedom of Information Act reading room.