§ 1071 · Equipment Finance & Commercial Lending

The Section 1071 compliance clock is running on equipment finance.

Agent 1071 tracks CFPB Section 1071 small business lending data collection for equipment finance lenders and brokers — the deadlines, coverage thresholds, and required data fields that high-volume commercial lenders need to plan around, kept current as the rule evolves.

Rule in effect since

Jun 30, 2026

Compliance date

513 days away

First SBLAR filing

1,030 days away

Check if you're covered Join the waitlist

Last updated: August 6, 2026

What changed in 2026

The revised rule is narrower than the original — but not optional.

1,000+

covered transactions in each of 2026 and 2027 to be in the initial group — up from 100 in the original 2023 rule.

13 fields

required for collection, down from the original rule — demographic, pricing, and denial-reason fields were removed or reduced.

1 date

January 1, 2028, replaces the old tiered compliance schedule for every covered institution in the initial group.

See the full timeline, from the 2023 rule to the 2029 filing deadline →

Start here

Everything a compliance team needs to know

What is 1071What is Section 1071?Where it came from and why it exists.DeadlineCompliance deadlineEvery date that matters, from 2023 to 2029.Am I CoveredAm I covered?Check your institution against the 1,000-loan threshold.Data FieldsData fieldsThe 13 fields you'll need to collect, and what got cut.SBLAR FilingSBLAR filingWhat the annual SBLAR submission actually requires.Grace PeriodGrace periodWhat the 2028 grace period forgives — and what it doesn't.GlossaryGlossarySBLAR, Regulation B, ECOA, and the rest of the acronyms.FAQFAQStraight answers to the questions we hear most.

About Agent 1071

Agent 1071 is built first for equipment finance lenders and brokers — the high-volume commercial lenders most likely to cross the Section 1071 coverage threshold — as a module of CommercialLending.ai. This site is the research and lead-gen home for that module today — the compliance software itself is still being built. If you originate equipment financing or other small business credit and want a say in how it works, join the waitlist or become a design partner.

Learn more about CommercialLending.ai, the operating platform Agent 1071 will plug into.

This is general information, not legal or compliance advice. Consult qualified counsel or a compliance professional for guidance specific to your institution.