Consumer Compliance Guidance and Policies
The Federal Reserve and the Consumer Financial Protection Bureau (CFPB) issue proposed and final rules related to the Federal Reserve System’s supervisory responsibilities. This page provides links to proposed and final consumer compliance rules and other guidance and policies not issued in the form of CA Letters since 2015.
If you have any questions regarding the contents of the guidance, please contact your dedicated consumer compliance liaison at the Federal Reserve Bank of San Francisco.
Please visit the Coronavirus Disease 2019 (COVID-19) website for a catalogue of the Federal Reserve’s COVID-19 related information.
2023
Credit Cards
Notice of Proposed Rulemaking: Credit Card Penalty Fees (Regulation Z)
Proposed | February 1, 2023
Marketing
CFPB Circular 2023-01, Unlawful negative option marketing practices
Circular | January 19, 2023
Mortgage Loans
CFPB Advisory Opinion on Real Estate Settlement Procedures Act (Regulation X); Digital Mortgage Comparison-Shopping Platforms and Related Payments to Operators
Advisory Opinion | February 7, 2023
CFPB Releases Updated Mortgage Servicing Exam Procedures
Exam Procedures | January 18, 2023
2022
Community Reinvestment Act
Annual CRA Asset-Size Threshold Adjustments for Small and Intermediate Small Institutions
Final | December 19, 2022
2022 List of Distressed or Underserved Nonmetropolitan Middle-Income Geographies
Final | July 1, 2022
Agencies Issue Host State Loan-to-Deposit Ratios
Final | June 28, 2022
Community Reinvestment Act Joint Notice of Proposed Rulemaking
Proposed | May 5, 2022
CONSUMER LOANS
2023 Dollar Thresholds in Regulations Z and M for Exempt Consumer Credit and Lease Transactions
Final | October 13, 2022
CFPB Circular 2022-03, Adverse Action Notification Requirements in Connection with Credit Decisions Based on Complex Algorithms
Circular | May 26, 2022
CREDIT REPORTING
CFPB Advisory Opinion on Fair Credit Reporting: Facially False Data
Advisory Opinion | October 20, 2022
CFPB Advisory Opinion on Fair Credit Reporting: Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports
Advisory Opinion | July 7, 2022
The Fair Credit Reporting Act’s Limited Preemption of State Laws
Interpretive Rule | June 28, 2022
Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking (Regulation V)
Final | June 23, 2022
DATA PROTECTION AND SECURITY
CFPB Circular 2022-04, Insufficient Data Protection or Security for Sensitive Consumer Information
Circular | August 11, 2022
DEBT COLLECTION
CFPB Circular 2022-05, Debt Collection and Consumer Reporting Practices Involving Invalid Nursing Home Debts
Circular | September 8, 2022
CFPB Advisory Opinion on Debt Collector’s Collection of Pay-to-Pay Fees
Advisory Opinion | June 29, 2022
DEPOSITS
CFPB Circular 2022-06, Unanticipated Overdraft Fee Assessment Practices
Circular | October 26, 2022
CFPB Bulletin 2022-06, Unfair Returned Deposited Item Fee Assessment Practices
Bulletin | October 26, 2022
CFPB Circular 2022-02, Deceptive representations involving the FDIC’s name or logo or deposit insurance
Circular | May 17, 2022
FAIR LENDING
CFPB Advisory Opinion on ECOA (Regulation B); Revocations or Unfavorable Changes to the Terms of Existing Credit Arrangements
Advisory Opinion | May 9, 2022
FLOOD INSURANCE
Revised Interagency Questions and Answers Regarding Flood Insurance
Final | May 11, 2022
HOME EQUITY LINES OF CREDIT
Revised Consumer Information Publication: HELOC Brochure
Notice of Availability | December 16, 2022
Mortgage Loans
2023 Home Mortgage Disclosure (Regulation C) Asset-Size Exemption Threshold
Final | December 27, 2022
2023 Truth in Lending Act (Regulation Z) Asset-Size Exemption Threshold (Escrow and Small Creditor)
Final | December 27, 2022
2023 Truth in Lending Act (Regulation Z) Annual Threshold Adjustments (Credit Cards, HOEPA, and ATR/QM)
Final | December 21, 2022
Home Mortgage Disclosure (Regulation C): Closed-End Mortgage Loan Coverage Threshold
Final | December 9, 2022
2023 Threshold for Exempting Small Loans from the Appraisal Requirements for Higher-Priced Mortgage Loans
Final | October 13, 2022
SUPERVISORY
CFPB Circular 2022-01, System of Consumer Financial Protection Circulars to agencies enforcing federal consumer financial law
Circular | May 16, 2022
2021
Artificial Intelligence
Agencies Extend Comment Period on Request for Information on Artificial Intelligence until July 1, 2021
Request for Information | May 17, 2021
Request for Information and Comment on Financial Institutions’ Use of Artificial Intelligence, including Machine Learning
Request for Information | March 29, 2021
Community Reinvestment Act
Annual CRA Asset-Size Threshold Adjustments for Small and Intermediate Small Institutions
Final | December 16, 2021
Federal Reserve Board Statement on the Community Reinvestment Act
Statement | July 20, 2021
Interagency Statement on Community Reinvestment Act Joint Agency Action
Statement | July 20, 2021
2021 List of Distressed or Underserved Nonmetropolitan Middle-Income Geographies
Final | June 25, 2021
Agencies Issue Host State Loan-to-Deposit Ratios
Final | May 21, 2021
CONSUMER LOANS
2022 Dollar Thresholds in Regulations Z and M for Exempt Consumer Credit and Lease Transactions
Final | December 1, 2021
Credit Reporting
CFPB Advisory Opinion on Consumer Reporting Agencies’ Obligations under FCRA
Advisory Opinion | November 4, 2021
Debt Collection
CFPB Issues Debt Collection FAQs (Limited Messages and Call Frequency)
FAQs | October 1, 2021
CFPB Confirms Effective Date for Debt Collection Final Rules
Withdrawal of Proposed Rule | July 30, 2021
CFPB Interim Final Rule on Fair Debt Collection Practices (COVID-19 Tenant Eviction Protections)
Interim Final Rule | April 19, 2021
CFPB Proposes Delay of Effective Date for Recent Debt Collection Rules
Proposed | April 7, 2021
Deposits
CFPB Issues Electronic Fund Transfer FAQs
Final | October 26, 2022
CFPB Issues Electronic Fund Transfer FAQs
FAQs | June 4, 2021
Fair Lending
CFPB Interpretive Rule Regarding Discrimination on the Bases of Sexual Orientation and Gender Identity
Interpretive Rule | March 9, 2021
LIBOR TRANSITION
CFPB Final Rule to Facilitate Transition from LIBOR
Final | December 7, 2021
Mortgage Loans
2022 Truth in Lending Act (Regulation Z) Asset-Size Exemption Threshold (Escrow and Small Creditor)
Final | December 23, 2021
2022 Home Mortgage Disclosure (Regulation C) Asset-Size Exemption Threshold
Final | December 23, 2021
2022 Threshold for Exempting Small Loans from the Appraisal Requirements for Higher-Priced Mortgage Loans
Final | December 1, 2021
2022 Truth in Lending Act (Regulation Z) Annual Threshold Adjustments (Credit Cards, HOEPA, and ATR/QM)
Final | October 25, 2021
CFPB Statement on Supervisory Practices Regarding Financial Institutions and Consumers Affected by a Major Disaster or Emergency (Regulatory Flexibility in Mortgage Rules)
Statement | September 14, 2021
CFPB Interpretive Rule on Certain Mortgage and Disclosure Timing Requirements for the 2021 Juneteenth Federal Holiday (TRID and Rescission)
Interpretive Rule | August 5, 2021
CFPB Issues Mortgage Servicing COVID-19 Final Rule and Executive Summary
Final | June 28, 2021
CFPB Issues FAQs on Escrow Accounts
FAQs | June 2, 2021
CFPB Issues TRID Rule FAQs about the BUILD Act
FAQs | May 14, 2021
CFPB Delays Mandatory Compliance Date for General Qualified Mortgage Final Rule
Final Rule | April 27, 2021
CFPB Proposes Mortgage Servicing Changes / Protections for Borrowers Affected by the COVID-19 Emergency Under the Real Estate Settlement Procedures Act (RESPA), Regulation X
Proposed | April 5, 2021
CFPB Proposes to Extend Mandatory Compliance Date of General QM Final Rule to October 1, 2022
Proposed | March 3, 2021
CFPB Statement on Mandatory Compliance Date of General QM Final Rule and Possible Reconsideration of General QM Final Rule and Seasoned QM Final Rule
Statement | February 23, 2021
CFPB Issues Rule on Higher-Priced Mortgage Loan Escrow Exemption
Final | January 19, 2021
Small Business Lending
CFPB Proposes Small Business Lending Data Collection Rule
Proposed | September 1, 2021
Supervisory Guidance
Agencies Extend Comment Period on Proposed Risk Management Guidance for Third-Party Relationships
Proposed | September 7, 2021
Agencies Request Comment on Proposed Risk Management Guidance for Third-Party Relationships
Proposed | July 13, 2021
Federal Reserve Board Adopts Final Rule on the Role of Supervisory Guidance
Final Rule | March 31, 2021
CFPB Rescinds Series of Policy Statements to Ensure Industry Complies with Consumer Protection Laws
Rescission of Statements of Policy | March 31, 2021
CFPB Issues Final Rule on Role of Supervisory Guidance
Final | January 19, 2021
2020
COVID-19 Pandemic-Related Guidance
CFPB Interim Final Rule (Regulation X) on Treatment of Certain COVID-19 Related Loss Mitigation Options
Interim Final Rule | June 23, 2020
CFPB Issues Consumer Reporting FAQs Related to the CARES Act and COVID-19 Pandemic
FAQs | June 16, 2020
Federal Reserve Announces Resumption of Examination Activities
Statement | June 15, 2020
CFPB and State Regulators Issue Additional Mortgage Forbearance and Foreclosure Guidance
Statement | June 4, 2020
CFPB Issues Statement Regarding Electronic Credit Card Disclosures in Light of the COVID-19 Pandemic
Statement | June 3, 2020
CFPB Remittance Rule FAQs related to the COVID-19 Pandemic
FAQs | June 2, 2020
CFPB ECOA and Regulation B FAQs Clarifying SBA Paycheck Protection Program and Notification of Action Taken
FAQs | May 6, 2020
CFPB Interpretive Rule Addressing the TRID Rule and Regulation Z Rescission Issues and Mortgage Origination Rules FAQs Related to the COVID-19 Pandemic
Interpretive Rule | April 29, 2020
Treatment of Pandemic Relief Payments Under Regulation E and Application of the Compulsory Use Prohibition
Interpretive Rule | April 13, 2020
CFPB Issues Guidance on Remittance Transfers During COVID-19 Pandemic
Statement | April 10, 2020
Joint Statement on Supervisory and Enforcement Practices Regarding Mortgage Servicing Rules in Response to the COVID-19 Emergency and the CARES Act
Statement | April 3, 2020
CFPB Issues Credit Reporting Guidance During COVID-19 Pandemic
Statement | April 1, 2020
CFPB Provides Flexibility During COVID-19 Pandemic (HMDA, Credit Card, and Prepaid Card Accounts)
Statement | March 26, 2020
Joint Statement Encouraging Responsible Small-Dollar Lending in Response to COVID-19
Statement | March 26, 2020
Federal Reserve Statement on Supervisory Activities
Statement | March 24, 2020
Community Reinvestment Act
Annual CRA Asset-Size Threshold Adjustments for Small and Intermediate Small Institutions
Final | December 17, 2020
Federal Reserve Board Issues Advanced Notice of Proposed Rulemaking on Approach to Modernize the Community Reinvestment Act Regulations
Advanced Notice of Proposed Rulemaking | September 21, 2020
2020 List of Distressed or Underserved Nonmetropolitan Middle-Income Geographies
Final | June 24, 2020
Agencies Issue Host State Loan-to-Deposit Ratios
Final | June 2, 2020
Consumer Loans
CFPB Issues Advisory Opinion regarding Earned Wage Access Programs
Advisory Opinion | November 30, 2020
2021 Dollar Thresholds in Regulations Z and M for Exempt Consumer Credit and Lease Transactions
Final | November 18, 2020
CFPB Issues Payday Lending Rule FAQs
FAQs | August 11, 2020
CFPB Issues Final Rule to Revoke the Mandatory Underwriting Provisions of its Payday Lending Rule
Final | July 7, 2020
Debt Collection
CFPB Issues Additional Debt Collection Final Rule
Final | December 18, 2020
CFPB Issues Debt Collection Final Rule
Final | October 30, 2020
CFPB Extends Comment Period for its Proposed Rulemaking on Time-Barred Debt
Proposed | May 19, 2020
CFPB Issues Supplemental Notice of Proposed Rulemaking on Time-Barred Debt Disclosures
Proposed | February 21, 2020
Disclosure Computational Tools
FFIEC Announces Federal Disclosure Computational Tools
Resources | April 16, 2020
Fair Lending
CFPB Issues Equal Credit Opportunity Act (Regulation B); Special Purpose Credit Programs Advisory Opinion
Advisory Opinion | December 21, 2020
Flood Insurance
Agencies Extend Comment Period on Proposed Revisions to Interagency Questions and Answers Regarding Flood Insurance
Proposed | September 1, 2020
Agencies Propose Revisions to Interagency Questions and Answers Regarding Flood Insurance
Proposed | June 26, 2020
Libor Transition
FFIEC Statement on Managing the LIBOR Transition
Statement | July 1, 2020
CFPB Takes Steps to Facilitate LIBOR Transition (CHARM Booklet, Proposed Regulation Z Amendments, LIBOR Transition FAQs)
Proposed | June 4, 2020
Mortgage Loans
Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold (Escrow and Small Creditor)
Final | December 22, 2020
Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold
Final | December 22, 2020
CFPB Issues Two Rules Related to Qualified Mortgage (QM) Loans
Final | December 10, 2020
2021 Threshold for Exempting Small Loans from the Appraisal Requirements for Higher-Priced Mortgage Loans
Final | November 18, 2020
CFPB Extends Sunset Date for Temporary GSE QM Category
Final Rule | October 20, 2020
CFPB Proposes New Category of Qualified Mortgages (Seasoned QMs)
Proposed | August 18, 2020
CFPB Releases Updated HMDA FAQs
FAQs | July 30, 2020
2021 Truth in Lending Act (Regulation Z) Annual Threshold Adjustments (Credit Cards, HOEPA, and ATR/QM)
Final | July 17, 2020
CFPB Proposes Amendments to TILA High-Priced Mortgage Loan Escrow Rule
Proposed Rule | July 2, 2020
CFPB Interpretive Rule on Method for Determining Underserved Areas; 2020 “Rural” and “Rural or Underserved” Counties Lists
Interpretive Rule | June 23, 2020
CFPB Takes Steps to Address GSE Patch
Proposed | June 22, 2020
TRID Title Insurance Factsheet and Updated FAQs
Factsheet and FAQs | June 9, 2020
CFPB Bulletin / Policy Guidance on Mortgage Servicing Transfers
Statement | April 24, 2020
CFPB Final Rule Raising the Data Reporting Thresholds Under the Home Mortgage Disclosure Act
Final Rule | April 16, 2020
Regulation D Savings Deposit
Federal Reserve Board Issues Interim Final Rule to Delete Six-Per-Month Limit on Convenient Transfers from the “Savings Deposit” Definition in Regulation D
Interim Final Rule | April 24, 2020
Remittance Transfers
CFPB Issues Final Rule Amending the Remittance Transfer Rule
Final Rule | May 11, 2020
Rules Regarding Availability of Information
Federal Reserve Finalizes Updates to its Freedom of Information Act (FOIA) Procedures and Rules for the Disclosure of Confidential Supervisory Information (CSI)
Final | July 24, 2020
Student Loans
CFPB Issues Advisory Opinion on Private Education Loans
Advisory Opinion | November 30, 2020
Supervisory Guidance
Agencies Propose Regulation on the Role of Supervisory Guidance
Proposed | October 29, 2020
2019
Alternative Data
Interagency Statement on the Use of Alternative Data in Credit Underwriting
Statement | December 3, 2019
Community Reinvestment Act
Annual CRA Asset-Size Threshold Adjustments for Small and Intermediate Small Institutions
Final | December 31, 2019
2019 List of Distressed or Underserved Nonmetropolitan Middle-Income Geographies
Final | June 17, 2019
Agencies Issue Host State Loan-to-Deposit Ratios
Final | May 28, 2019
Consumer Loans
2020 Threshold in Regulation M for Exempt Consumer Lease Transactions
Final | October 30, 2019
2020 Threshold in Regulation Z for Exempt Consumer Credit Transactions
Final | October 30, 2019
Payday, Vehicle Title, and Certain High-Cost Installment Loans; Delay of Compliance Date
Final | June 6, 2019
CFPB Releases Notices of Proposed Rulemaking on Payday Lending
Proposed | February 6, 2019
Debt Collection
CFPB Proposes Regulations to Implement the Fair Debt Collection Practices Act
Proposed | May 7, 2019
Flood Insurance
Interagency Final Rule Implements Flood Insurance Reform Provisions (Private Flood Insurance)
Final | February 12, 2019
Mortgage Loans
Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold (Escrow and Small Creditor)
Final | December 23, 2019
Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold
Final | December 20, 2019
CFPB Issues Interpretive Rule on Screening and Training Requirements for Mortgage Loan Originators with Temporary Authority
Interpretive Rule | November 15, 2019
2020 Threshold for Exempting Small Loans from the Appraisal Requirements for Higher-Priced Mortgage Loans
Final | October 30, 2019
CFPB Issues 2019 HMDA Final Rule
Final | October 10, 2019
2020 Truth in Lending Act (Regulation Z) Annual Threshold Adjustments (Credit Cards, HOEPA, and ATR/QM)
Final | August 1, 2019
CFPB Proposes Changes to HMDA Rules
Proposed | May 2, 2019
2019 “A Guide to HMDA Reporting: Getting It Right!”
Final | March 25, 2019
CFPB Releases 2019 “Rural” and “Rural or Underserved Counties” Lists
Final | February 12, 2019
Prepaid Accounts
Technical Specifications for Submissions to the Prepaid Account Agreements Database
Final | February 27, 2019
Regulation CC
Agencies Issue Final Amendments to Regulation CC Regarding Funds Availability
Final | June 24, 2019
Remittance Transfers
CFPB Issues Notice of Proposed Rulemaking on Remittance Rule
Proposed | December 3, 2019
2018
Community Reinvestment Act
Annual CRA Asset-Size Threshold Adjustments for Small and Intermediate Small Institutions
Final | December 20, 2018
2018 List of Distressed or Underserved Nonmetropolitan Middle-Income Geographies
Final | June 25, 2018
Updated Section 109 Host State Loan-to-Deposit Ratios
Final | June 15, 2018
Interagency Statement on CRA Consideration for Community Development Activities in the U.S. Virgin Islands and Puerto Rico Following Hurricane Maria
Final | January 25, 2018
Consumer Loans
2019 Thresholds in Regulations Z and M for Exempt Consumer Credit and Lease Transactions
Final | November 21, 2018
Fair Credit Reporting Act
Bureau Issues Updated FCRA Model Disclosures
Final | September 12, 2018
Flood Insurance
Interagency Statement on Issuing Loans when National Flood Insurance Program is Unavailable
Final | December 28, 2018
Mortgages
Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold
Final | December 31, 2018
Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold (Escrow and Small Creditor)
Final | December 31, 2018
2019 Threshold for Exempting Small Loans from the Appraisal Requirements for Higher-Priced Mortgage Loans
Final | November 21, 2018
BCFP Issues Rule to Implement and Clarify New HMDA Amendments
Final | August 31, 2018
2019 Truth in Lending Act (Regulation Z) Annual Threshold Adjustments (Credit Cards, HOEPA, and ATR/QM)
Final | August 27, 2018
CFPB Finalizes Amendment to “Know Before You Owe” Mortgage Disclosure Rule (2018 TILA-RESPA Rule)
Final | April 26, 2018
CFPB Issues Amendments to the 2016 Mortgage Servicing Rule
Final | March 8, 2018
CFPB Releases 2018 “Rural” and “Rural or Underserved” Counties Lists
Final | March 6, 2018
A Guide to HMDA Reporting (2018)
Final | February 21, 2018
Prepaid Accounts
CFPB Finalizes Changes to Prepaid Accounts Rule
Final | January 25, 2018
Privacy
Amendment to Annual Privacy Notice Requirement Under the Gramm-Leach-Bliley Act (Regulation P)
Final | August 10, 2018
Regulation CC
Agencies Propose Amendments to Regulation CC Regarding Funds Availability
Proposed | November 20, 2018
2017
Arbitration Agreements
President Signs Resolution Nullifying Arbitration Agreements Rule
Final | November 1, 2017
CFPB Issues Small Entity Compliance Guide for Arbitration Agreements Rule
Small Entity Compliance Guide | September 15, 2017
CFPB Issues Arbitration Agreements Rule
Final | July 10, 2017
Community Reinvestment Act
Annual CRA Asset-Size Threshold Adjustments for Small and Intermediate Small Institutions
Final | December 21, 2017
Agencies Amend CRA Regulations to Conform to HMDA Regulation Changes and Remove References to the Neighborhood Stabilization Program
Final | November 20, 2017
Agencies Propose Amending CRA Regulations to Conform to HMDA Regulation Changes, and Remove References to the Neighborhood Stabilization Program
Proposed | September 13, 2017
2017 List of Distressed or Underserved Nonmetropolitan Middle-Income Geographies
Final | June 21, 2017
Updated Section 109 Host State Loan-to-Deposit Ratios
Final | June 21, 2017
Consumer Loans
Federal Reserve Board Seeks Public Comment on Proposal to Revise Regulation M
Proposed | December 18, 2017
2018 Thresholds in Regulations Z and M for Exempt Consumer Credit and Lease Transactions
Final | November 8, 2017
CFPB Issues Payday, Vehicle Title, and Certain High-Cost Installment Loans Final Rule
Final | October 5, 2017
Mortgages
Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold
Final | December 27, 2017
Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold (Escrow and Small Creditor)
Final | December 27, 2017
CFPB Issues Official Approval of Redesigned Uniform Residential Loan Application that Includes Identification of Language Preference
Official Approval | November 20, 2017
2018 Threshold for Exempting Small Loans from the Appraisal Requirements for Higher-Priced Mortgage Loans
Final | November 9, 2017
CFPB Issues Interim Final Rule to Help Mortgage Servicers Communicate with Certain Borrowers at Risk of Foreclosure
Interim Final Rule | October 4, 2017
CFPB Issues Proposed Rule Modifying Timing Requirements for Bankruptcy Periodic Statements
Proposed | October 4, 2017
CFPB Finalizes Amendments to ECOA (Regulation B) Ethnicity and Race Information Collection
Final | September 20, 2017
CFPB Proposes HMDA Policy Guidance Describing the Loan-Level Data the CFPB Proposes to Make Available to the Public Starting in 2019
Proposed | September 20, 2017
2018 Truth in Lending Act (Regulation Z) Annual Threshold Adjustments (Credit Cards, HOEPA, and ATR/QM)
Final | August 30, 2017
CFPB Finalizes HMDA Amendments to Clarify Certain Requirements and to Temporarily Increase the Reporting Threshold for Open-End Lines of Credit
Final | August 24, 2017
CFPB Proposes to Temporarily Raise the HMDA Reporting Threshold for Community Banks and Credit Unions
Proposed | July 14, 2017
CFPB Finalizes Updates to “Know Before You Owe” Mortgage Disclosure (2017 TILA-RESPA Rule)
Final | July 7, 2017
CFPB Proposes Amendments to Federal Mortgage Disclosure Requirements under the Truth in Lending Act (Regulation Z)
Proposed | July 7, 2017
CFPB Issues Technical Corrections to the 2016 Mortgage Servicing Amendments
Final | June 27, 2017
CFPB Issues Policy Guidance Regarding Early Compliance with the 2016 Mortgage Servicing Amendments
Policy Guidance | June 27, 2017
CFPB Requests Comment Regarding Ability to Repay/Qualified Mortgage Rule Assessment
Notice and Request for Comment | May 25, 2017
CFPB Requests Comment Regarding 2013 RESPA Servicing Rule Assessment
Notice and Request for Comment | May 4, 2017
CFPB Proposes Clarifications to the Home Mortgage Disclosure (Regulation C) October 2015 Final Rule
Proposed | April 13, 2017
CFPB Proposes Amendments to ECOA (Regulation B) Ethnicity and Race Information Collection
Proposed | March 24, 2017
Prepaid Accounts
CFPB Issues Statement Regarding Intention to Amend Prepaid Accounts Rule
Statement | December 21, 2017
CFPB Seeks Comment on Proposed Updates to Prepaid Accounts Rule
Proposed | June 15, 2017
CFPB Finalizes Effective Date Extension for Prepaid Accounts Rule
Final | April 20, 2017
CFPB Proposes Effective Date Extension for Prepaid Accounts Rule
Proposed | March 9, 2017
Regulation CC
Federal Reserve Board Finalizes Amendments to the Check Collection and Return Provisions in Regulation CC
Final | May 31, 2017
Federal Reserve Board Proposes Amendment to Regulation CC’s Liability Provisions
Proposed | May 31, 2017
Remittance Transfers
CFPB Requests Comment Regarding Remittance Rule Assessment
Notice and Request for Comment | March 17, 2017
Remittance Transfer Rule Compliance Guide, Version 4.0
Small Entity Compliance Guide | January 31, 2017
Small Business Lending
CFPB Request for Information Regarding the Small Business Lending Market
Notice and Request for Information | May 10, 2017
CFPB Whitepaper on Small Business Lending Landscape
Whitepaper | May 10, 2017
2016
Community Reinvestment Act
Annual CRA Asset-Size Threshold Adjustments for Small and Intermediate Small Institutions
Final | December 29, 2016
2016 List of Distressed or Underserved Nonmetropolitan Middle-Income Geographies
Final | June 17, 2016
Updated Section 109 Host State Loan-to-Deposit Ratios
Final | June 17, 2016
Consumer Compliance Rating System
FFIEC Issues Uniform Interagency Consumer Compliance Rating System
Final | November 7, 2016
FFIEC Seeks Comments on Proposed Revisions to Uniform Interagency Consumer Compliance Rating System
Notice and Request for Comment | April 29, 2016
Consumer Loans
2017 Thresholds in Regulations Z and M for Exempt Consumer Credit and Lease Transactions
Final | November 23, 2016
Agencies Issue Proposal on Method to Adjust Thresholds for Exempting Certain Consumer Credit and Lease Transactions
Proposed | July 22, 2016
CFPB Issues Proposed Rule on Payday, Vehicle Title, and Certain High-Cost Installment Loans
Proposed | June 2, 2016
Credit Cards
Submission of Credit Card Agreements under the Truth in Lending Act (Regulation Z)
Final | April 5, 2016
Fair Credit Reporting Act
CFPB Bulletin 2016-01, The FCRA’s Requirement that Furnishers Establish and Implement Reasonable Written Policies and Procedures Regarding the Accuracy and Integrity of Information Furnished to all Consumer Reporting Agencies
Final | February 3, 2016
Flood
Agencies Request Comment on Proposed Private Flood Insurance Rule
Proposed | October 31, 2016
Mortgages
Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold
Final | December 21, 2016
Truth in Lending Act (Regulation Z) Adjustment to Annual Exemption Threshold (Escrow and Small Creditor)
Final | December 21, 2016
2017 Threshold for Exempting Small Loans from the Appraisal Requirements for Higher-Priced Mortgage Loans
Final | November 23, 2016
CFPB Releases 2017 “Rural” and “Rural or Underserved” Counties Lists
Final | November 17, 2016
CFPB Approves Use of New Uniform Residential Loan Application and Collection of Expanded Home Mortgage Disclosure Act Information about Race and Ethnicity in 2017 under Regulation B
Final | September 23, 2016
Amendments to the 2013 Mortgage Servicing Rules
Final | August 4, 2016
Safe Harbors from Liability under the Fair Debt Collection Practices Act for Certain Actions Taken in Compliance with Mortgage Servicing Rules
Interpretive Final Rule | August 4, 2016
CFPB Proposes Updates to “Know Before You Owe” Mortgage Disclosure Rule
Proposed | July 29, 2016
Agencies Issue Proposal on Method to Adjust Threshold for Exempting Small Loans from Special Appraisal Requirements
Proposed | July 22, 2016
2017 Truth in Lending Act (Regulation Z) Annual Threshold Adjustments (CARD Act, HOEPA, and ATR/QM)
Final | June 17, 2016
CFPB Rule Broadens Qualified Mortgage Coverage of Lenders Operating in Rural and Underserved Areas
Final | March 22, 2016
Prepaid Accounts
CFPB Issues Final Prepaid Accounts Rule and Launches Prepaid Rule Implementation Page
Final | October 5, 2016
UDAAP
CFPB Bulletin 2016-03, Detecting and Preventing Consumer Harm from Production Incentives
Final | November 28, 2016
2015
CFPB Processes
CFPB Bulletin 2015-01, Treatment of Confidential Supervisory Information
Final | January 27, 2015
Community Reinvestment Act
Annual CRA Asset-Size Threshold Adjustments for Small and Intermediate Small Institutions
Final | December 22, 2015
Amendments to the List of Distressed or Underserved Nonmetropolitan Middle-Income Geographies
Final | July 8, 2015
Amendments to Section 109 Host State Loan-to-Deposit Ratios
Final | June 29, 2015
Consumer Loans
2016 Thresholds in Regulations Z and M for Exempt Consumer Credit and Lease Transactions
Final | November 25, 2015
CFPB Considers Potential Rulemakings for Payday, Vehicle Title, and Similar Loans
Proposed | March 26, 2015
Credit Cards
CFPB Final Rule, Submission of Credit Card Agreements under the Truth in Lending Act (Regulation Z)
Final | April 15, 2015
Mortgages
Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold
Final | December 18, 2015
Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption (Escrow and Small Creditor)
Final | December 18, 2015
2016 Threshold for Smaller Loan Exemption from Appraisal Requirements for Higher-Priced Mortgage Loans
Final | November 25, 2015
CFPB Releases 2016 “Rural” and “Rural or Underserved” Counties Lists
Final | October 28, 2015
CFPB Finalizes HMDA Amendments (Regulation C) and Announces HMDA Regulatory Implementation Page
Final | October 15, 2015
CFPB Bulletin 2015-05, RESPA Compliance and Marketing Services Agreements
Final | October 8, 2015
Truth in Lending Act (Regulation Z) Annual Threshold Adjustments (CARD Act, HOEPA, and ATR/QM)
Final | September 21, 2015
CFPB Finalizes Amendments Relating to Small Creditors and Rural or Underserved Areas under the Truth in Lending Act (Regulation Z)
Final | September 21, 2015
CFPB Bulletin 2015-03, Private Mortgage Insurance Cancellation and Termination
Final | August 4, 2015
CFPB Finalizes Two-Month Extension of TILA-RESPA Integrated Disclosure Rule
Final | July 21, 2015
CFPB Proposes to Delay the Effective Date of TILA-RESPA Integrated Disclosure Rule
Proposed | June 24, 2015
Amendments to the Final Rule on Flood Insurance
Final | June 22, 2015
CFPB Bulletin 2015-02, Section 8 Housing Choice Voucher Homeownership Program
Final | May 11, 2015
CFPB Interpretive Rule, Homeownership Counseling Organizations List and High-Cost Mortgage Counseling
Final | April 15, 2015
CFPB Releases “Your Home Loan Tool Kit” to Replace Settlement Cost Booklet
Final | March 31, 2015
CFPB Proposes Amendments Relating to Small Creditors and Rural or Underserved Areas Under the Truth in Lending Act (Regulation Z)
Proposed | January 29, 2015
Amendments to the TILA-RESPA Integrated Disclosures Rule
Final | January 20, 2015
District Circulars on proposed and final rules issued prior to 2015