12 C.F.R. § 1002.109
§ 1002.109 Reporting of data to the Bureau. (12 CFR Part 1002)
Operative Text
(a) Reporting to the Bureau—(1) Annual reporting. (i) On or before June 1 following the calendar year for which data are compiled and maintained as required by § 1002.107, a covered financial institution shall submit its small business lending application register in the format prescribed by the Bureau. (ii) An authorized representative of the covered financial institution with knowledge of the data shall certify to the accuracy and completeness of the data reported pursuant to this paragraph (a). (iii) When the last day for submission of data prescribed under paragraph (a)(1) of this section falls on a Saturday or Sunday, a submission shall be considered timely if it is submitted on the next succeeding Monday. (2) Reporting by subsidiaries. A covered financial institution that is a subsidiary of another covered financial institution shall complete a separate small business lending application register. The subsidiary shall submit its small business lending application register, directly or through its parent, to the Bureau. (3) Reporting obligations where multiple financial institutions are involved in a covered credit transaction. Where it is necessary for more than one financial institution to make a credit decision in order to approve a single covered credit transaction, only the last covered financial institution with authority to set the material terms of the covered credit transaction is required to report the application. Financial institutions report the actions of their agents. (b) Financial institution identifying information. A financial institution shall provide each of the following with its submission: (1) Its name. (2) Its headquarters address. (3) The name and business contact information of a person that the Bureau or other regulators may contact about the financial institution's submission. (4) Its Federal prudential regulator, if applicable. (5) Its Federal Taxpayer Identification Number (TIN). (6) Its Legal Entity Identifier (LEI). (7) Its Research, Statistics, Supervision, and Discount identification (RSSD ID) number, if applicable. (8) Parent entity information, if applicable, including: (i) The name of the immediate parent entity; (ii) The LEI of the immediate parent entity, if available; (iii) The RSSD ID number of the immediate parent entity, if available; (iv) The name of the top-holding parent entity; (v) The LEI of the top-holding parent entity, if available; and (vi) The RSSD ID number of the top-holding parent entity, if available. (9) The type of financial institution that it is, indicated by selecting the appropriate type or types of institution from the list provided. (10) Whether the financial institution is voluntarily reporting covered applications from small businesses. (c) Procedures for the submission of data to the Bureau. The Bureau shall make available a Filing Instructions Guide, containing technical instructions for the submission of data to the Bureau pursuant to this section, as well as any related materials, at https://www.consumerfinance.gov/data-research/small-business-lending/filing-instructions-guide/.
Under § 1002.109, covered financial institutions that compile small business lending data are required to submit that data to the Consumer Financial Protection Bureau (CFPB) annually, no later than June 1 of the year following the calendar year covered. The submission must be certified for accuracy and completeness by an authorized representative, and it must include a standardized set of identifying information about the institution and, where applicable, its parent entities. Special rules address how subsidiaries and multi-lender transactions are handled, ensuring that reporting responsibility is clearly assigned even when more than one institution is involved in a single credit decision.
Plain English — not legal advice.
Although § 1002.109 applies to financial institutions rather than property owners, landlords who operate as or through covered financial institutions offering small business credit products should be aware that annual data submissions are due by June 1 and must follow the Bureau's prescribed format, including the Filing Instructions Guide available on the CFPB's website. A compliant institution designates an authorized representative with sufficient knowledge of the data to certify its accuracy and completeness before submission. Institutions that are subsidiaries of other covered financial institutions file their own separate registers, either directly or through their parent, and institutions acting through agents report those agents' actions as their own.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
§ 1002.109 is primarily directed at financial institutions rather than individual borrowers, but small business owners who applied for credit covered under this framework have an interest in knowing that their application data is subject to annual public reporting requirements. If a small business applicant believes their data was reported inaccurately or that a covered institution failed to meet its reporting obligations, they may raise that concern with the CFPB, which oversees compliance with this provision. Tenant-rights organizations or small business advocacy groups can help applicants understand how the data reported under § 1002.109 relates to broader fair lending protections.
General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.
Generated September 4, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
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