Can someone explain this to me? Is the bank only responsible for this if the CFPB requests it from them?

https://www.federalregister.gov/doc...-submissions-required-under-tila-and-the

Thank You

Another anon chimes in:

If you are here on this BOL forum, asking questions about this rule this late in the game, then I'd assume this part of the rule will be of the most interest and relevance to you. (For source, see rlcarey's link above).

(5) De minimis exception. (i) A card issuer is not required to submit any credit card agreements to the Bureau if the card issuer had fewer than 10,000 open credit card accounts as of the last business day of the calendar quarter.