1. Short title; table of contents (a) Short title This Act may be cited as the CFPB Transparency and Accountability Reform Act . (b) Table of contents The table of contents for this Act is as follows: Sec. 1. Short title; table of contents. Title I—Commission of the Bureau of Consumer Financial Protection Act Sec. 101. Short title. Sec. 102. Making the Bureau an independent agency led by a commission. Sec. 103. Deeming of name. Sec. 104. Conforming amendments. Title II—TABS Act of 2023 Sec. 201. Short title. Sec. 202. Bringing the Bureau into the regular appropriations process. Title III—CFPB–IG Reform Act of 2023 Sec. 301. Short title. Sec. 302. Appointment of Inspector General. Sec. 303. Requirements for the Inspector General for the Bureau of Consumer Financial Protection. Sec. 304. Effective date. Title IV—CFPB Dual Mandate and Economic Analysis Act Sec. 401. Short title. Sec. 402. Purpose. Sec. 403. Office of Economic Analysis. Title V—Transparency in CFPB Cost-Benefit Analysis Act Sec. 501. Short title. Sec. 502. Transparency in cost-benefit analysis. Title VI—Making the CFPB Accountable to Small Businesses Act of 2023 Sec. 601. Short title. Sec. 602. Rulemaking under Dodd-Frank Wall Street Reform and Consumer Protection Act. Sec. 603. Initial regulatory flexibility analysis. Sec. 604. Final regulatory flexibility analysis. Title VII—CFPB Whistleblower Incentives and Protection Act Sec. 701. Short title. Sec. 702. Bureau whistleblower incentives and protection. Sec. 703. Amendment to the Consumer Financial Civil Penalty Fund. I Commission of the Bureau of Consumer Financial Protection Act 101. Short title This Act may be cited as the Commission of the Bureau of Consumer Financial Protection Act 102. Making the Bureau an independent agency led by a commission The Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5481 et seq. ) is amended— (1) in section 1011— (A) in subsection (a)— (i) by striking in the Federal Reserve System, ; and (ii) by striking independent bureau and inserting independent agency