CFPB Finance & Consumer ProtectionDocket CFPB-2016-0025

CFPB Payday, Vehicle Title, and Certain High-Cost Installment Loans

Regulatory review of credit terms and consumer underwriting criteria for payday lending and auto-title loan programs.

Total Comments4,993Filings audited

Coordinated Comments1,017Campaign comments

Coordinated Share20%Proportion of record

Active Campaigns3Templates discovered

Largest Campaign1,002Maximum cluster size

Discovered Campaigns

Showing 3 campaigns

1,002comments

“We need the FCC to defend the rights of millions of Internet users by upholding net neutrality protections. I stand with the millions of ot...”

Aug 28, 2017

13comments

“Net neutrality has created an unreliable landscape for consumers and businesses alike. We need Congress to bring clarity to this debate.”

Aug 28, 2017

Methodology & Ingestion Disclosures

Data Sourcing

Comments are fetched directly from official federal APIs (regulations.gov v4 API or the FCC ECFS public portal). Raw comments are ingested into our Delta Lake Bronze schema, stripping HTML noise and validating submitter fields without discarding critical metadata.

Clustering Limits & Caveats

Semantic clustering groups comments based on high-dimensional text vectors. It uses a similarity threshold (0.92 cosine proximity) to guarantee that only text sharing core structural, political, and semantic boilerplate is linked. False positives are audited against strict quality benchmarks.