CFPB
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UK is tightening BNPL rules in July; the US just retreated: a tale of two regulatory directions
Read more: UK is tightening BNPL rules in July; the US just retreated: a tale of two regulatory directionsThe UK is bringing buy now pay later into regulated credit on 15 July 2026 with FOS rights, affordability checks and Section 75-equivalent protections. The US went the other way, with the CFPB withdrawing its BNPL Interpretive Rule in May 2025 and state-level patching now filling the federal vacuum. We map the divergence.
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