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US Buy Now, Pay Later Regulation

How Providers Can Get Ahead of Pending Crackdowns

About This Report
BNPL providers should prepare now for potential regulatory changes affecting credit reporting, customer creditworthiness, late fees, and more.
Table of Contents

Executive Summary

The Consumer Financial Protection Bureau’s recently launched inquiry into the potential risks of buy now, pay later (BNPL) products could force providers to change their playbooks. By evaluating current services, providers can preemptively identify and address the practices under question—and refocus on competing for share of the skyrocketing BNPL user base.

Key Question: How should BNPL industry participants prepare for regulatory changes?

KEY STAT: The number of US BNPL users will soar from 1.6 million in 2018 to 59.3 million in 2022, driven by innovations in credit access and purchase flexibility. Growth will taper through 2025, however, as BNPL enters a post-regulation maturity phase.

Here’s what’s in the full report


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Reliable data in simple displays for presentations and quick decision making.

6expert perspectives

Insights from industry and company leaders.

    Table of Contents

    1. Executive Summary
    2. BNPL Providers Must Be Proactive About Regulatory Attention
    3. CFPB Inquiry Will Change BNPL Practices and the Competitive Landscape
    1. How BNPL Providers Can Take Cautionary Action
    2. Insider Intelligence Interviews
    3. Read Next
    1. Sources
    2. Media Gallery

    Interviewed for This Report

    Chiro Aikat
    Executive Vice President, Product and Engineering, North America
    Interviewed February 7, 2022
    David Eads
    Vine Financial Inc.
    Co-Founder and CEO
    Interviewed February 1, 2022
    Ted Fifelski
    Know Technologies Inc.
    Interviewed February 4, 2022
    Tony Glasby
    Senior Vice President, Banking and Payments Strategy
    Interviewed January 27, 2022
    Paul Paradis
    Interviewed January 28, 2022
    Jim Van Dyke
    Sontiq, a TransUnion Company
    Senior Vice President, Innovation
    Interviewed January 27, 2022


    David Morris


    Daniel Decea
    Researcher, Financial Services
    Jaime Toplin
    Senior Analyst
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