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.

2019

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Mortgage Loans

2018

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Community Reinvestment Act

Consumer Loans

Fair Credit Reporting Act

Flood Insurance

Mortgages

Prepaid Accounts

Privacy

Regulation CC

2017

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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

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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

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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