2026年3月31日 下午5:06 UTC / 路透社
作者：道格拉斯·吉利森
2026年3月31日 下午5:06 UTC 更新于2小时前
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2020年8月29日，美国华盛顿特区消费者金融保护局（CFPB）总部的标识。路透社/安德鲁·凯利
华盛顿，3月31日（路透社）——据美国政府官网消息，美国联邦消费者金融监管机构预计将敲定去年11月提出的新规定，此举将缩小放贷机构需遵守的关键民权时代反歧视要求。
消费者金融保护局出台的新政策，将让银行等机构摆脱一项已有数十年历史的、旨在防止对女性和少数群体产生歧视性影响的规定，转而仅专注于打击明确的歧视行为。
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美国管理和预算办公室与消费者金融保护局的代表周二均未立即回应置评请求。
此项调整兑现了唐纳德·特朗普总统一年前发布的行政令，该行政令称，要求企业防范“差异化影响”会助长偏袒行为，并给企业带来不合理负担。
作为总统办公室下属机构、同时由消费者金融保护局代理局长拉塞尔·沃特领导的美国管理和预算办公室官网周二显示，该法规的最终版本目前正在审核中，与去年11月的提案版本“无实质性变更”。
目前尚不清楚消费者金融保护局何时准备正式出台新规则，也不清楚美国管理和预算办公室的专家是否会建议作出任何修改。
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新规则出台遭到了公平放贷和支持消费者权益倡导者的反对，他们称此举违背了议员们在1974年《平等信贷机会法》及后续改革法案中的立法意图。但行业团体表示，他们支持这项提案，因为它将让银行等机构摆脱不必要的合规负担和法律责任。
道格拉斯·吉利森 华盛顿报道；马克·波特 编辑
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Trump administration prepares final lending rule to narrow civil rights protections
2026-03-31 5:06 PM UTC / Reuters
By Douglas Gillison
March 31, 2026 5:06 PM UTC Updated 2 hours ago
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Signage is seen at the Consumer Financial Protection Bureau (CFPB) headquarters in Washington, D.C., U.S., August 29, 2020. REUTERS/Andrew Kelly
WASHINGTON, March 31 (Reuters) – The U.S. federal watchdog agency for consumer finance expects to finalize new regulations proposed in November that would narrow key civil-rights-era antidiscrimination requirements for lenders, according to a government website.
The new policy from the Consumer Financial Protection Bureau would free banks and others from a decades-old requirement to prevent discriminatory impacts on women and minorities, instead focusing solely on preventing explicitly discriminatory conduct.
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Representatives for both the Office of Management and Budget and the CFPB did not immediately respond to requests for comment on Tuesday.
The change makes good on an executive order President Donald Trump issued a year ago, which said requiring companies to prevent “disparate impact” encourages favoritism and unfairly burdens companies.
The website of OMB, an arm of the president’s office also controlled by the CFPB’s Acting Director Russell Vought, showed on Tuesday that a final version of the regulation was now under review with “no material change” from November’s proposed version.
It was unclear when the CFPB would be ready to adopt the new rule or whether OMB experts would recommend any changes.
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The new rule comes over the objections of fair-lending and pro-consumer advocates who say such a change flies in the face of lawmakers’ intent when they adopted the 1974 Equal Credit Opportunity Act and subsequent reforms. Industry groups, however, said they supported the proposal as it would free banks and others from unnecessary compliance burdens and legal liabilities.
Reporting by Douglas Gillison in Washington; Editing by Mark Porter
Our Standards: The Thomson Reuters Trust Principles.
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