The Consumer Financial Protection Bureau announced changes to how its Supervision Division conducts examinations, including requiring examiners to read a “Humility Pledge” to each supervised entity at the start of an exam. The new approach frames the 2026 supervision cycle as more scoped, transparent, and focused on priority consumer risks and issues within the Bureau’s statutory authority. For 2026 examinations, supervision resources will be targeted at “pressing threats to consumers”, particularly affecting service members and their families and veterans, and the Bureau will seek to avoid duplicative work where states or other regulators are already supervising. Supervised entities are to receive advance notice of scheduled examinations, while information requests should align to Bureau priorities and remain within the defined scope of the exam. Examination findings and Matters Requiring Attention are intended to focus on pattern-and-practice legal violations tied to tangible and identifiable consumer harm (and, for MRAs, clear disclosure violations), with the Bureau stating it will no longer request expansive datasets or other information that appears unrelated or inconsistent with its priorities. Follow-up requests are to be discussed with the entity and tailored to the exam scope and information already provided, and the Bureau expects examination timelines to be reduced from the previously stated eight weeks in line with the defined scope.

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