Andrew James Gonzalez
Andrew James Gonzalez petitioned the Consumer Financial Protection Bureau (CFPB) to issue a rule to ban the use of negative debt as proof of income in credit card applications.
Petitions for rulemaking
We respond to petitions from interested persons for the issuance, amendment, or repeal of a CFPB rule, as required by the Administrative Procedure Act.
Submitting a petition
You can submit your petitions for rulemaking by emailing petitions@cfpb.gov.
In addition, you may also submit petitions by mail, hand delivery, or courier to:
Rulemaking Petitions Docket
Attn: Legal Division Docket Manager
Consumer Financial Protection Bureau
1700 G Street NW, Washington, D.C. 20552
To ensure proper handling, we recommend that you submit petitions for rulemaking only through these methods. We also recommend that you state that it is a petition under section 553(e) of the Administrative Procedure Act. To assist us in our review and consideration of your petition, we recommend that you include the following information with your submission:
- Your contact information (full name, address, telephone number, email address)
- The type of action you are requesting (e.g., whether the CFPB should issue a new rule or repeal or amend an existing rule)
- The factual and legal reasons for the proposed action
- The expected effects the proposed action will have on relevant parties (e.g., consumers, industry, enforcement authorities)
All petitions, including attachments and other supporting materials, will become part of the public record and subject to public disclosure. Proprietary information or sensitive personal information, such as account numbers or Social Security numbers, or names of other individuals, should not be included. Petitions will not be edited to remove any identifying or contact information.
The CFPB may, in its discretion, decide not to post submissions and other materials, or portions thereof, including the following:
- Duplicate identical submissions (submitted by the same submitter(s) through different means)
- Copyrighted material owned by someone other than the submitter
- Confidential business information (CBI)
- Spam submissions
- Threats of harm or violence
- Submissions that are disavowed by the named author or submitter
If a submission is determined to be a petition, it will be assigned a docket number and posted to Regulations.gov for public comment. The petitioner will be notified once the petition has been docketed. After the comment period closes, the CFPB will review the petition and any submitted comments and issue a final response. The final response will also be posted to the docket on Regulations.gov and to this webpage.
Links to petitions we have received appear below. As new petitions are added, members of the public may comment on petitions by following instructions at those links.
Community Home Lenders of America (CHLA)
The Community Home Lenders of America (CHLA) requests the CFPB use its authority under the Fair Credit Reporting Act (FCRA) to issue a rule clarifying mortgage trigger lead provisions.
Andrew Gonzalez
Andrew Gonzalez requests that the Consumer Financial Protection Bureau (CFPB) require home insurance companies register as nonbank entities in the CFPB's company database.
Aaron Klein
Aaron Klein requests that the Expedited Funds Availability Act (EFAA) be amended to reduce maximum permissible deposit hold times based on technological improvements.
Andrew James Gonzalez
Andrew James Gonzalez requests that the Consumer Financial Protection Bureau (CFPB) issue a new rule regulating or prohibiting maintenance fees for credit card accounts.
Andrew James Gonzalez
Andrew James Gonzalez requests that the Consumer Financial Protection Bureau (CFPB) issue a new rule prohibiting the practice of charging expedited service fees for credit card payments.
Tania Ortega
Tania Ortega requests that the Consumer Financial Protection Bureau (CFPB) amend credit reporting requirements to better reflect the credit card payment efforts of consumers.
Andrew James Gonzalez
Andrew James Gonzalez requests that the Consumer Financial Protection Bureau (CFPB) propose an amendment to the Fair Debt Collection Practices Act (FDCPA) to enhance consumer protections regarding fraudulent transactions.
UnidosUS, et al.
UnidosUS, et al. requests that the CFPB take action to reduce and eliminate junk fees in remittance transactions.
National Consumer Law Center (NCLC)
The National Consumer Law Center (NCLC) petitioned the CFPB requesting enhanced consumer financial protection for renters under the Equal Credit Opportunity Act (ECOA). The CFPB responded to the petition on December 17, 2024.
National Consumer Law Center (NCLC)
The National Consumer Law Center (NCLC) petitioned the CFPB requesting that the Fair Credit Reporting Act (Regulation V) be amended to modify the definitions of identity theft and identity theft report.
Carol Janusz
Carol Janusz petitioned the CFPB requesting a new rule to require that Financial Institutions provide specific reasons for denial of any credit card applications or other types of personal loan applications.
Tasha Blanchard
Tasha Blanchard petitioned the CFPB requesting enhanced consumer financial protection for prepaid and gift card fraud under the Electronic Fund Transfer Act (EFTA).
Holly Thai
Holly Thai petitioned the CFPB requesting the implementation of a rule to protect consumers from identity theft and related fraud.
David Petroni
David Petroni petitioned the CFPB requesting Private Mortgage Insurance (PMI) removal criteria be changed to allow homeowners to request the removal or reduction of PMI based on property value.
Cameron Heffelfinger
Cameron Heffelfinger petitioned the CFPB to require transparency from financial institutions regarding consumer account closures.
Andrew Meinert
Andrew Meinert petitioned the CFPB to require the usage of authentication technology by financial services companies to prevent fraud.
Zaniya Lewis
Zaniya Lewis petitioned the CFPB to amend the Dodd-Frank Act to prevent institutions from profiting and benefiting from scholarship award displacement practices.
Sharon Borough
Sharon Borough petitioned the CFPB to issue a rule on the secure handling of consumer personal account information by credit bureaus.
Jordan Vint
Jordan Vint petitioned the CFPB to adopt a policy requiring debt collection and debt purchasing organizations to disclose the amount a debt was purchased for or the percentage these organizations will receive upon collection of a debt, upon request of the debtor.
Bharat Kondapalli
Bharat Kondapalli petitioned the CFPB to enact a regulation prohibiting credit card issuers from charging annual fees on credit cards that have been inactive for 24 months.
Kelly Subbaiah
Kelly Subbaiah petitioned the CFPB to amend Regulation DD to require timely disclosure of interest rate and Annual Percentage Yield (APY) changes on variable-rate accounts.
Melissa Edwards
Melissa Edwards petitioned the CFPB to prohibit employers from using applicant credit history as hiring criteria.
Ron Nelson
Ron Nelson petitioned the CFPB to require immediate crediting of all mortgage payments by lenders upon receipt.
National Association of Consumer Advocates (NACA), et al.
The National Association of Consumer Advocates (NACA), et al. petitioned the CFPB to issue a rule addressing the use of mandatory pre-dispute arbitration (or forced arbitration) provisions in contracts between regulated entities and consumers of financial products or services that would allow the consumer to make a choice on whether to use arbitration after a dispute arises.