{"id":9379,"date":"2025-03-28T17:23:21","date_gmt":"2025-03-28T21:23:21","guid":{"rendered":"https:\/\/payliance.com\/?p=9379"},"modified":"2025-07-01T16:11:38","modified_gmt":"2025-07-01T20:11:38","slug":"cfpb-not-enforce-sdlr-payment-provisions","status":"publish","type":"post","link":"https:\/\/payliance.com\/cfpb-not-enforce-sdlr-payment-provisions\/","title":{"rendered":"BREAKING: CFPB Announces It Will Not Enforce SDLR Payment Provisions"},"content":{"rendered":"\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><h2 class=\"wp-block-post-title\">BREAKING: CFPB Announces It Will Not Enforce SDLR Payment Provisions<\/h2>\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-ad2f72ca wp-block-group-is-layout-flex\"><div class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/payliance.com\/payliance-news\/\" rel=\"tag\">Payliance News<\/a><span class=\"wp-block-post-terms__separator\">, <\/span><a href=\"https:\/\/payliance.com\/payments-blog\/\" rel=\"tag\">Payments<\/a><\/div>\n\n<div class=\"wp-block-post-date\"><time datetime=\"2025-03-28T17:23:21-04:00\">March 28, 2025<\/time><\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<p>The Consumer Financial Protection Bureau (CFPB) announced today that it will <strong>not prioritize enforcement or supervision actions<\/strong> related to the <em>Payment Withdrawal<\/em> and <em>Payment Disclosure<\/em> provisions of the <strong>Payday, Vehicle Title, and Certain High-Cost Installment Loans Regulation<\/strong>\u2014even after those provisions become operative on <strong>March 30, 2025<\/strong>. This includes the <strong>SDLR<\/strong> payment provisions.<\/p>\n\n\n\n<p>According to the Bureau, this move reflects a strategic reallocation of enforcement resources to address what it views as more urgent threats to consumers, particularly <strong>service members, veterans, small businesses, and working-class taxpayers<\/strong>. The CFPB also indicated it is <strong>considering a notice of proposed rulemaking to narrow the scope<\/strong> of the rule more broadly.<\/p>\n\n\n\n<p>The CFPB&#8217;s decision not to enforce the <strong>SDLR<\/strong> payment provisions indicates a shift in focus to other pressing consumer protection issues.<\/p>\n\n\n\n<p class=\"has-vivid-cyan-blue-color has-text-color has-link-color wp-elements-19aa8f8aaac81f673996f2d6107785e3\"><strong>What This Means for Lenders<\/strong><\/p>\n\n\n\n<p>This announcement creates a significant shift in the regulatory landscape for small-dollar lenders. <\/p>\n\n\n\n<p>Here&#8217;s what you need to know:<\/p>\n\n\n\n<p class=\"has-vivid-cyan-blue-color has-text-color has-link-color wp-elements-1fc2e586980ae8c45cc3e60324dec478\"><strong>What it does mean:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lenders <strong>will not face CFPB penalties or supervisory actions<\/strong> solely for noncompliance with the Payment Withdrawal and Disclosure provisions<\/li>\n\n\n\n<li>The Bureau is <strong>prioritizing other enforcement areas<\/strong>, reducing immediate federal compliance pressure<\/li>\n\n\n\n<li>A future <strong>notice of proposed rulemaking could lead to formal amendments<\/strong> to the rule<\/li>\n<\/ul>\n\n\n\n<p class=\"has-vivid-cyan-blue-color has-text-color has-link-color wp-elements-747711a862ac3510b83404db5d82a47e\"><strong>What it doesn&#8217;t mean:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>This does <strong>not repeal or delay the rule<\/strong> \u2014 the March 30th operative date remains in effect<\/li>\n\n\n\n<li>State regulators and attorneys general may still consider enforcement of similar provisions under state laws<\/li>\n\n\n\n<li>Private litigation risk continues to be a consideration<\/li>\n<\/ul>\n\n\n\n<p>We&#8217;ll continue to update our partners and clients as the CFPB&#8217;s rulemaking process progresses. For now, this is a signal to focus on borrower engagement and operational resilience\u2014without overinvesting in regulatory changes that may ultimately be scaled back.<\/p>\n\n\n\n<p><strong>Have questions or want to discuss how this affects your operations?<\/strong> Reach out to your Payliance representative or <a href=\"https:\/\/payliance.com\/get-started\/\">contact us<\/a> today.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Consumer Financial Protection Bureau (CFPB) announced today that it will not prioritize enforcement or supervision actions related to the Payment Withdrawal and Payment Disclosure provisions of the Payday, Vehicle Title, and Certain High-Cost Installment Loans Regulation\u2014even after those provisions become operative on March 30, 2025. This includes the SDLR payment provisions. According to the [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":8217,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_eb_attr":"","content-type":"","footnotes":""},"categories":[10,1],"tags":[115,68,58],"class_list":["post-9379","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-payliance-news","category-payments-blog","tag-cfpb","tag-lending","tag-sdlr"],"acf":[],"_links":{"self":[{"href":"https:\/\/payliance.com\/wp-json\/wp\/v2\/posts\/9379","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/payliance.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/payliance.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/payliance.com\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/payliance.com\/wp-json\/wp\/v2\/comments?post=9379"}],"version-history":[{"count":6,"href":"https:\/\/payliance.com\/wp-json\/wp\/v2\/posts\/9379\/revisions"}],"predecessor-version":[{"id":9804,"href":"https:\/\/payliance.com\/wp-json\/wp\/v2\/posts\/9379\/revisions\/9804"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/payliance.com\/wp-json\/wp\/v2\/media\/8217"}],"wp:attachment":[{"href":"https:\/\/payliance.com\/wp-json\/wp\/v2\/media?parent=9379"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/payliance.com\/wp-json\/wp\/v2\/categories?post=9379"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/payliance.com\/wp-json\/wp\/v2\/tags?post=9379"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}