Truth in Savings (Regulation DD)

Forms and Documents

Document	Type	Status	Availability
3170-0004 (Regulation DD) supporting statement.docx	Supporting Statement A	Uploaded 2026-02-24	Available
3170-0004 30-Day FRN (published).pdf	Supplementary Document	Uploaded 2026-02-24	Available
3170-0004 60-day FRN (published).pdf	Supplementary Document	Uploaded 2026-02-23	Repair queued
Suncoast Credit Union Comment.pdf	Public Comments	Uploaded 2026-02-09	Available
Center for Regulatory Freedom Comment.pdf	Public Comments	Uploaded 2026-02-08	Available
12 CFR Part 1030 with Appendices.pdf	Supplementary Document	Uploaded 2022-12-30	Available

IC Document Collections

IC ID	Collection	Type	Status	Form
207865	Recordkeeping and Third Party Disclosure Requirements		Modified

ICR Details

OMB Control No: 3170-0004	ICR Reference No: 202602-3170-001
Status: Received in OIRA	Previous ICR Reference No: 202212-3170-003
Agency/Subagency: CFPB	Agency Tracking No:
Title: Truth in Savings (Regulation DD)
Type of Information Collection: Extension without change of a currently approved collection	Common Form ICR:  No
Type of Review Request: Regular	Date Submitted to OIRA: 02/24/2026

	Requested	Previously Approved
Expiration Date	36 Months From Approved	04/30/2026
Responses	33,630,661	33,630,661
Time Burden (Hours)	561,632	561,632
Cost Burden (Dollars)	854,593	854,593

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Abstract: Consumers rely on the disclosures required by The Truth in Savings Act (TISA) and Regulation DD to facilitate informed decision-making regarding deposit accounts offered at depository institutions. Without this information, consumers would be severely hindered in their ability to assess the true costs and terms of the deposit accounts offered. Federal agencies and private litigants use the records to ascertain whether accurate and complete disclosures of depository accounts have been provided to consumers. This information also provides the primary evidence of law violations in TISA enforcement actions brought by the CFPB. Without the Regulation DD recordkeeping requirement, the CFPB's ability to enforce TISA would be significantly impaired.

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Authorizing Statute(s): US Code: 12 USC 4301 Name of Law: Truth in Savings Act
   PL: Pub.L. 111 - 203 100B Name of Law: Dodd-Frank Act
  

Citations for New Statutory Requirements: None

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Associated Rulemaking Information
RIN:	Stage of Rulemaking:	Federal Register Citation:	Date:
	Not associated with rulemaking

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Federal Register Notices & Comments
60-day Notice:	Federal Register Citation:	Citation Date:
	90 FR 57185	12/10/2025
30-day Notice:	Federal Register Citation:	Citation Date:
	91 FR 8844	02/24/2026
Did the Agency receive public comments on this ICR? Yes

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Number of Information Collection (IC) in this ICR: 1

IC Title	Form No.	Form Name
Recordkeeping and Third Party Disclosure Requirements

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ICR Summary of Burden

	Total Request	Previously Approved	Change Due to New Statute	Change Due to Agency Discretion	Change Due to Adjustment in Estimate	Change Due to Potential Violation of the PRA
Annual Number of Responses	33,630,661	33,630,661	0	0	0	0
Annual Time Burden (Hours)	561,632	561,632	0	0	0	0
Annual Cost Burden (Dollars)	854,593	854,593	0	0	0	0

Burden increases because of Program Change due to Agency Discretion: No

Burden Increase Due to:

Burden decreases because of Program Change due to Agency Discretion: No

Burden Reduction Due to:

Short Statement:

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Annual Cost to Federal Government: $0

Does this IC contain surveys, censuses, or employ statistical methods? No

Does this ICR request any personally identifiable information (see OMB Circular No. A-130 for an explanation of this term)? Please consult with your agency's privacy program when making this determination.     No

Does this ICR include a form that requires a Privacy Act Statement (see 5 U.S.C. §552a(e)(3))? Please consult with your agency's privacy program when making this determination.     No

Is this ICR related to the Affordable Care Act [Pub. L. 111-148 & 111-152]? No

Is this ICR related to the Dodd-Frank Wall Street Reform and Consumer Protection Act, [Pub. L. 111-203]? Yes

Is this ICR related to the American Recovery and Reinvestment Act of 2009 (ARRA)? No

Is this ICR related to the Pandemic Response? No

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Common Form ICR:  No

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On behalf of this Federal agency, I certify that the collection of information encompassed by this request complies with 5 CFR 1320.9 and the related provisions of 5 CFR 1320.8(b)(3).

The following is a summary of the topics, regarding the proposed collection of information, that the certification covers:

(a) It is necessary for the proper performance of agency functions;

(b) It avoids unnecessary duplication;

(c) It reduces burden on small entities;

(d) It uses plain, coherent, and unambiguous language that is understandable to respondents;

(e) Its implementation will be consistent and compatible with current reporting and recordkeeping practices;

(f) It indicates the retention periods for recordkeeping requirements;

(g) It informs respondents of the information called for under 5 CFR 1320.8 (b)(3) about:

(i) Why the information is being collected;

(ii) Use of information;

(iii) Burden estimate;

(iv) Nature of response (voluntary, required for a benefit, or mandatory);

(v) Nature and extent of confidentiality; and

(vi) Need to display currently valid OMB control number;

(h) It was developed by an office that has planned and allocated resources for the efficient and effective management and use of the information to be collected.

(i) It uses effective and efficient statistical survey methodology (if applicable); and

(j) It makes appropriate use of information technology.

If you are unable to certify compliance with any of these provisions, identify the item by leaving the box unchecked and explain the reason in the Supporting Statement.

Certification Date: 02/24/2026

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