Regulation O

OMB Control No: 3084-0157	ICR Reference No: 202605-3084-001
Status: Received in OIRA	Previous ICR Reference No: 202303-3084-001
Agency/Subagency: FTC	Agency Tracking No:
Title: Regulation O
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: 05/05/2026

	Requested	Previously Approved
Expiration Date	36 Months From Approved	05/31/2026
Responses	120	118
Time Burden (Hours)	360	354
Cost Burden (Dollars)	33,000	33,000

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Abstract: The Federal Trade Commission requests clearance for its shared enforcement authority with the Consumer Financial Protection Bureau for the disclosure requirements contained in the CFPB's Regulation O.

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Authorizing Statute(s): PL: Pub.L. 111 - 8 626(a) Name of Law: 2009 Omnibus Appropriations Act    US Code: 12 USC 5581 Name of Law: Dodd-Frank Wall Street Reform and Consumer Protection Act    PL: Pub.L. 111 - 24 511 Name of Law: Credit Card Accountability and Responsibility and Disclosure Act of 2009

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:
	91 FR 2933	01/23/2026
30-day Notice:	Federal Register Citation:	Citation Date:
	91 FR 24237	05/05/2026
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 Disclosures

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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	120	118	0	0	2	0
Annual Time Burden (Hours)	360	354	0	0	6	0
Annual Cost Burden (Dollars)	33,000	33,000	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: There are no program changes. The estimate of burden hours is adjusted upward based on slightly higher estimates of the number of MARS providers subject to the Rule (from 118 in 2023 to 120 in 2026). Staff updated the estimate of hourly wage rates for compliance officers who will perform the work associated with rule compliance based on updated rates published by the Bureau of Labor Statistics.

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Annual Cost to Federal Government: $200,000

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

Agency Contact: Carole Reynolds 202 326-3230 [email protected]

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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: 05/05/2026

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