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Withdrawn by 90 Fed. Reg. 20,084 (May 12, 2025). See NCLC, Continued Vitality of 67 Withdrawn CFPB Guidance Documents (May 13, 2025) (updated May 27, 2025).
The Bureau recognizes that many supervised entities may choose to implement incentive programs to achieve business objectives. When properly implemented and monitored, reasonable incentives can benefit consumers and the financial marketplace as a whole.
This bulletin compiles guidance that has previously been given by the CFPB in other contexts and highlights examples from the CFPB’s supervisory and enforcement experience in which incentives contributed to substantial consumer harm. It also describes compliance management steps supervised entities should take to mitigate risks posed by incentives.
