{"data":{"id":"us/12-cfr-1091.101","jurisdiction":"us","citation":"12 CFR 1091.101","heading":"Definitions.","body":"For the purposes of this part, the following definitions apply:\nBureau means the Consumer Financial Protection Bureau.\nConsumer means an individual or an agent, trustee, or representative acting on behalf of an individual.\nConsumer financial product or service means any financial product or service, as defined in 12 U.S.C. 5481(15), that is described in one or more categories under:\n(1) 12 U.S.C. 5481(15) and is offered or provided for use by consumers primarily for personal, family, or household purposes; or\n(2) Clause (i), (iii), (ix), or (x) of 12 U.S.C. 5481(15)(A) and is delivered, offered, or provided in connection with a consumer financial product or service referred to in paragraph (1) of this definition.\nDecisional employee means any employee of the Bureau who has not engaged in:\n(1) Assisting the initiating official in either determining whether to issue a Notice of Reasonable Cause, or presenting the initiating official's position in support of a Notice of Reasonable Cause, either in writing or in a supplemental oral response, to the recommending official; or\n(2) Assisting the recommending official in the preparation of a recommended determination.\nDirector means the Director of the Bureau or his or her designee. If there is no Director, the term shall mean a person authorized to perform the functions of the Director under this part, or his or her designee.\nExecutive Secretary means the Executive Secretary of the Bureau.\nInitiating official means the Supervision Director or another Bureau employee designated by the Director to initiate proceedings under this part.\nNonbank covered person means, except for persons described in 12 U.S.C. 5515(a) and 5516(a):\n(1) Any person that engages in offering or providing a consumer financial product or service; and\n(2) Any affiliate of a person described in paragraph (1) of this definition if such affiliate acts as a service provider to such person.\nNotice of Reasonable Cause and Notice mean a Notice issued under § 1091.102.\nPerson means an individual, partnership, company, corporation, association (incorporated or unincorporated), trust, estate, cooperative organization, or other entity.\nRecommending official means an employee designated by the Director to make a recommended determination under this part.\nRespondent means a person who has been issued a Notice of Reasonable Cause under § 1091.102.\nResponse means the response to a Notice of Reasonable Cause filed by a respondent with the recommending official under § 1091.105.","path":["Title 12—Banks and Banking","CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU","PART 1091—PROCEDURES FOR SUPERVISORY DESIGNATION PROCEEDINGS","Subpart A—General"],"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":"dc20bc672ad033dbbf2091319b27a64791623ec79e8e97f9b4d4c1434cbaf279","source_id":"us-cfr","stale":true,"prev":"us/12-cfr-1091.100","next":"us/12-cfr-1091.102"},"notice":"GroundRules: Original legal text. Not legal advice."}