Making the CFPB Accountable to Small Businesses Act of 2025

This bill, known as the "Making the CFPB Accountable to Small Businesses Act of 2025," aims to enhance the consideration of small entities in federal rulemaking processes. It specifically amends the Dodd-Frank Act to require the Consumer Financial Protection Bureau (CFPB) to analyze the impact of its proposed rules on small entities, aligning with existing regulatory flexibility analysis standards. Furthermore, the legislation strengthens the requirements for both initial and final regulatory flexibility analyses conducted by covered agencies . Agencies must now provide a detailed justification , supported by factual, policy, and legal reasons, if they choose not to adopt alternatives to mitigate the impact of rules on small businesses. This includes explaining why the relative size and resources of small entities should have no bearing on a particular rule, and for final analyses, describing steps taken to minimize additional credit costs for small entities.