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 Comments1,000Filings audited

Coordinated Comments8Campaign comments

Coordinated Share1%Proportion of record

Active Campaigns4Templates discovered

Largest Campaign2Maximum cluster size

Discovered Campaigns

Showing 4 campaigns

2comments

“Enjoys using our check cashing, Western Union, and money order services”

Aug 2, 2016

2comments

“Payday, Vehicle Title, and Certain High-Cost Installment LoansYou state that Payday Loans use of ACH transaction cause issues therefore you...”

Jul 25, 2016

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.