{"data":{"id":"us/12-cfr-1002.101","jurisdiction":"us","citation":"12 CFR 1002.101","heading":"Authority, purpose, and scope.","body":"(a) Authority and scope. This subpart to Regulation B is issued by the Bureau pursuant to section 704B of the Equal Credit Opportunity Act (15 U.S.C. 1691c-2). Except as otherwise provided herein, this subpart applies to covered financial institutions, as defined in § 1002.105(b), other than a person excluded from coverage of this part by section 1029 of the Consumer Financial Protection Act of 2010, title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111-203, 124 Stat. 1376, 2004 (2010).\n(b) Purpose. This subpart implements section 704B of the Equal Credit Opportunity Act, which Congress intended:\n(1) To facilitate enforcement of fair lending laws; and\n(2) To enable communities, governmental entities, and creditors to identify business and community development needs and opportunities of women-owned, minority-owned, and small businesses.","path":["Title 12—Banks and Banking","CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU","PART 1002—EQUAL CREDIT OPPORTUNITY ACT (REGULATION B)","Subpart B—Small Business Lending Data Collection"],"source_url":"https://www.ecfr.gov/api/versioner/v1/full/2026-08-25/title-12.xml","current_through":"2026-08-25","vintage":"","retrieved_at":"2026-08-27T02:24:16Z","sha256":"7521ea427788956e54f114c2a62c044d2d09380f0319ba68b51fbcbfa7e0711d","source_id":"us-cfr","stale":true,"prev":"us/12-cfr-1002.16","next":"us/12-cfr-1002.102"},"notice":"GroundRules: Original legal text. Not legal advice."}