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Notice and comment

On this page, you can find the consumer bureau’s Federal Register notices, and the public comments received in response. (What does this all mean? Click or scroll down.)

Open for comment

You can currently provide comments on these notices. Click through to find instructions. You can find closed notices lower down this page.

30-Day PRA - Generic Information Collection Plan for Information on Compliance Costs and Other Effects of Regulations
Notice and request for comment.
Closes 2/18/2016 | Submit a comment

30-Day PRA – Home Mortgage Disclosure Act (Regulation C) 12 CFR 1003
Notice and request for information.
Closes 2/19/2016 | Submit a comment

Request for Information Regarding Home Mortgage Disclosure Act Resubmission Guidelines
Notice and request for comment.
Closes 3/14/2016 | Submit a comment

Closed notices

The comment period for these notices has expired. You can read the original notices and review the comments we received.

60-Day PRA - Loan Originator Compensation Amendment (Regulation Z)
Notice and request for comment.
Closed 2/8/2016

60-Day PRA - Consumer Attitudes, Understanding, and Behaviors with Respect to Financial Services and Products
Notice and request for comment.
Closed 2/5/2016; Effective 12/7/2015

60-Day PRA - Equal Credit Opportunity Act (Regulation B) 12 CFR 1002
Notice and request for comment.
Closed 1/25/2016 | Read comments

60-Day PRA - Homeownership Counseling Amendments to the Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024
Notice and request for comment.
Closed 1/25/2016 | Read comments

60-Day PRA - Report of Terms of Credit Card Plans (FR 2572)
Notice and request for comment.
Closed 1/25/2016 | Read comments

60-Day PRA - Financial Well-Being National Survey
Notice and request for comment.
Closed 1/25/2016

30-Day PRA - Generic Information Collection Plan for Development and/or Testing of Model Forms, Disclosures, Tools, and Other Similar Related Materials
Notice and request for comment.
Closed 1/13/2016; Effective 12/14/2015

60-Day PRA: Home Mortgage Disclosure (Regulation C) 12 CFR 1003
Notice and request for comment.
Closed 1/11/2016 | Read comments

60-Day PRA: Generic Information Collection Plan for Information on Compliance Costs and Other Effects of Regulations
Notice and request for comment.
Closed 12/28/2015; Effective 11/4/2015

30-Day PRA - High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act (Regulation Z)
Notice and request for comment.
Closed 12/28/2015 | Read comments

30-Day PRA: Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies
Notice and request for comment.
Closed 12/7/2015 | Read comments

30-Day PRA: Policy on No Action Letters
Notice and request for comment.
Closed 11/30/2015

60 Day PRA: Generic Information Collection Plan for the Development and/or Testing of Model Forms, Disclosures, Tools, and Other Similar Related Materials
Notice and request for comment.
Closed 11/24/2015

30-Day PRA: Generic Information Collection Plan for the Collection of Qualitative Feedback on Bureau Service Delivery
Notice and request for comment.
Closed 11/23/2015

30-Day PRA: Owning a Home Evaluation Study
Notice and request for comment.
Closed 11/23/2015

60 Day PRA: Web-Based Quantitative Testing of Point of Sale/ATM (POS/ATM) Overdraft Disclosure Form
Notice and request for comment.
Closed 11/3/2015

30 Day PRA: Consumer Response Government and Congressional Boarding Forms
Notice and request for comment.
Closed 10/29/2015

Request for Information Regarding the Consumer Complaint Database: Data Normalization
Request for Information
Closed 8/31/2015 | Read comments

30-Day PRA - Mortgage Acts And Practices (Regulation N) 12 CFR 1014
Notice and request for comment.
Closed 8/31/2015 | Read comments

60-Day PRA: Consumer Response Government and Congressional Boarding Forms
Notice and request for comment.
Closed 8/24/2015 | Read comments

30-Day PRA: Gramm-Leach-Bliley Act (Regulation P) 12 CFR 1016
Notice and request for comment.
Closed 8/24/2015 | Read comments

30-Day PRA: Consumer Leasing Act (Regulation M) 12 CFR 1013
Notice and request for comment.
Closed 8/24/2015 | Read comments

30-Day PRA: Mortgage Assistance Relief Services (Regulation O) 12 CFR part 1015
Notice and request for comment.
Closed 8/24/2015 | Read comments

60-day PRA - Regulation F: Fair Debt Collection Practices Act
Notice and request for comment.
Closed 8/14/2015 | Read comments

60-Day PRA - Generic Information Collection Plan for the Collection of Qualitative Feedback on Bureau Service Delivery
Notice and request for comment.
Closed 8/14/2015 | Read comments

Final Interagency Policy Statement Establishing Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies
Notice and request for comment.
Closed 8/10/2015 | Read comments

30-Day PRA: Generic Information Collection Plan to Conduct Cognitive Research and Pilot Testing
Notice and request for comment.
Closed 7/27/2015 | Read comments

30-Day PRA: Registration of Mortgage Loan Originators (Regulation G) 12 CFR 1007
Notice and request for comment.
Closed 7/27/2015 | Read comments

30-Day PRA - Generic Information Collection Plan for Surveys Using the Consumer Credit Panel
Notice and request for comment.
Closed 7/27/2015 | Read comments

30-Day PRA - Interstate Land Sales Full Disclosure Act (Regulations J, K & L) 12 CFR 1010, 1011, 1012
Notice and request for comment.
Closed 7/27/2015 | Read comments

60-Day PRA: Mortgage Acts and Practices (Regulation N) 12 CFR 1014
Notice and request for comment.
Closed 7/17/2015 | Read comments

Request for Information Regarding Student Loan Servicing
Request for Information
Closed 7/13/2015 | Read comments

2013 Integrated Mortgage Disclosures Rule Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) and Amendments; Delay of Effective Date
Proposed rule with request for public comment
Closed 7/7/2015 | Read comments

60-Day PRA: Mortgage Assistance Relief Services (Regulation O) 12 CFR part 1015
Notice and request for comment.
Closed 7/6/2015 | Read comments

60-Day PRA: Consumer Leasing Act (Regulation M) 12 CFR 1013
Notice and request for comment.
Closed 7/6/2015 | Read comments

60-Day PRA: Gramm-Leach-Bliley Act (Regulation P) 12 CFR 1016
Notice and request for comment.
Closed 7/6/2015 | Read comments

Partial Extension of Comment Deadline on CARD Act Request for Information
Notice of request for public comment; extension of comment period
Closed 6/17/2015 | Read comments

60-Day PRA: Registration of Mortgage Loan Originators (Regulation G) 12 CFR 1007
Notice and request for comment.
Closed 6/8/2015 | Read comments

Extension of Comment Period: Consumer Complaint Intake System Company Portal Boarding Form Information Collection System
Notice of request for public comment; extension of comment period
Closed 6/8/2015 | Read comments

60-Day PRA: Interstate Land Sales Full Disclosure Act (Regulations J, K & L) 12 CFR 1010, 1011, 1012
Notice and request for comment.
Closed 6/2/2015 | Read comments

Request for Information Regarding the Consumer Complaint Database
Request for Information
Closed 5/26/2015 | Read comments

60-Day PRA: Generic Information Collection Plan for Surveys Using the Consumer Credit Panel
Notice and request for comment.
Closed 5/22/2015 | Read comments

60-Day PRA: Generic Information Collection Plan to Conduct Cognitive Research and Pilot Testing
Notice and request for comment.
Closed 5/22/2015 | Read comments

Request for Information Regarding Credit Card Market
Request for Information
Closed 5/18/2015 | Read comments

30-Day PRA: Generic Information Collection Plan for Consumer Complaint and Information Collection System (Testing and Feedback)
Notice and request for comment.
Closed 5/8/2015 | Read comments

30-Day PRA: CFPB's Consumer Response Intake Form
Notice and request for comment.
Closed 5/8/2015 | Read comments

Amendments Relating to Small Creditors and Rural or Underserved Areas Under the Truth in Lending Act (Regulation Z)
Notice of Proposed Rulemaking
Closed 3/30/2015 | Read comments

Request for Information Regarding an Initiative on Safe Student Banking
Notice and request for information.
Closed 3/30/2015
The comment period for this Notice and Request for Information was extended on 02/13/2015. https://www.federalregister.gov/articles/2015/02/13/2015-02982/request-for-information-regarding-an-initiative-on-safe-student-banking

60-Day PRA - CFPB State Official Notification Rule
Notice and request for comment.
Closed 3/30/2015 | Read comments

Prepaid Accounts Under the Electronic Fund Transfer Act (Regulation E) and the Truth in Lending Act (Regulation Z)
Notice of Proposed Rulemaking
Closed 3/23/2015 | Read comments

30-Day PRA – Consumer and College Credit Card Agreements
Notice and request for information.
Closed 3/19/2015

Amendments to the 2013 Mortgage Rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)
Notice of Proposed Rulemaking
Closed 3/16/2015 | Read comments

Submission of Credit Card Agreements under the Truth in Lending Act
Notice of Proposed Rulemaking
Closed 3/13/2015

60-Day PRA - Generic Information Collection Plan for Consumer Complaint and Information Collection System (Testing and Feedback)
Notice and request for comment.
Closed 2/27/2015 | Read comments

60-Day PRA - CFPB's Consumer Response Intake Form
Notice and request for comment.
Closed 2/27/2015 | Read comments

30-Day PRA - Bridges to Financial Security: A Multi-site Demonstration Project
Notice and request for information.
Closed 2/9/2015 | Read comments

60-Day PRA Notice - CFPB'S Consumer Complaint Intake System Company Portal Boarding Form Information Collection System
Notice and request for comment.
Closed 2/2/2015 | Read comments

30-Day PRA - Financial Coaching Program for Veterans and Low-income Consumers
Notice and request for comment.
Closed 1/28/2015 | Read comments

60-Day PRA Notice - CFPB State Official Notification Rule
Notice and request for comment.
Closed 1/12/2015 | Read comments

Proposed Language Access Plan for the Consumer Financial Protection Bureau
Notice and request for information.
Closed 1/6/2015 | Read comments

60-Day PRA: Consumer and College Credit Card Agreements
Notice and request for comment.
Closed 12/16/2014 | Read comments

60-Day PRA: Bridges to Financial Security: A Multi-site Demonstration Project
Notice and request for comment.
Closed 12/16/2014 | Read comments

Proposed Policy on No-Action Letters
Notice of proposed policy statement
Closed 12/15/2014 | Read comments

30-Day PRA Notice - Teacher Training Initiative (TTI) Local Education Agencies (LEA) Partnership Application
Notice and request for comment.
Closed 12/10/2014 | Read comments

Defining Larger Participants of the Automobile Financing Market and Defining Certain Automobile Leasing Activity as a Financial Product or Service
Proposed rule with request for public comment
Closed 12/8/2014 | Read comments

60-Day PRA Notice - Owning a Home Evaluation Study
Notice and request for comment.
Closed 11/25/2014 | Read comments

Amendments to the 2013 Integrated Mortgage Disclosures Rule Under the Real Estate Settlement Procedures Act (Regulation X) and Truth In Lending Act (Regulation Z) and the 2013 Loan Originator Rule Under the Truth in Lending Act (Regulation Z)
Proposed rule with request for public comment
Closed 11/10/2014 | Read comments

60-Day PRA Notice – Financial Coaching Program for Veterans and Low-income Consumers
Notice and request for comment.
Closed 11/3/2014

HMDA Proposal - Home Mortgage Disclosure (Regulation C)
Proposed rule with request for public comment
Closed 10/29/2014
Please submit comments via email to: FederalRegisterComments@cfpb.gov

30-Day PRA Notice - CFPB Generic Information Collection Plan for Studies of Consumers Using Controlled Trials in Field and Economic Laboratory Settings
Notice and request for comment.
Closed 10/9/2014 | Read comments

30-Day Notice - Proposed Policy Statement: Consumer Complaint Narrative Data
Notice of proposed policy statement with request for comment.
Closed 9/22/2014 | Read comments

Proposed Policy Statement: Consumer Complaint Narrative Data – Extension of Comment Period
Notice of request for public comment; extension of comment period
Closed 9/22/2014

90-Day Notice - Request for Information Regarding the Use of Mobile Financial Services by Consumers and Its Potential for Improving the Financial Lives of Economically Vulnerable Consumers
Request for Information
Closed 9/10/2014 | Read comments

30-Day PRA Notice: Debt Collection Survey from the Consumer Credit Panel
Notice and request for comment.
Closed 8/22/2014 | Read comments

Amendment to the Annual Privacy Notice Requirement Under the Gramm-Leach-Bliley Act (Regulation P) - Extension of Comment Period
Notice of request for public comment; extension of comment period
Closed 7/14/2014

Amendments to the 2013 Mortgage Rules Under the Truth in Lending Act (Regulation Z)
Proposed rule with request for public comment
Closed 7/7/2014

30-Day PRA Notice - Telephone Survey Regarding Credit Card Agreements' Dispute Resolution Provisions
Notice and request for comment.
Closed 6/30/2014

60-Day PRA Notice - CFPB Generic Information Collection Plan for Studies of Consumers using Controlled Trials in Field and Economic Laboratory Settings
Notice and request for comment.
Closed 6/13/2014 | Read comments

Amendment to the Annual Privacy Notice Requirement Under the Gramm-Leach-Bliley Act (Regulation P)
Proposed rule with request for public comment
Closed 6/12/2014

Joint Proposal - Minimum Requirements for Appraisal Management Companies
Notice of Proposed Rulemaking
Closed 6/9/2014 | Read comments

Remittance Proposal - Temporary Exception (Electronic Fund Transfers (Regulation E)): Extension of Comment Period
Notice of request for public comment; extension of comment period
Closed 6/6/2014

Remittance Proposal - Temporary Exception (Electronic Fund Transfers (Regulation E))
Proposed rule with request for public comment
Closed 5/27/2014 | Read comments

30-Day System of Records Notice - Consumer Response System
Notice and request for comment.
Closed 5/16/2014

60-Day PRA Notice - Debt Collection Survey from the Consumer Credit Panel
Notice and request for comment.
Closed 5/6/2014 | Read comments

60-Day Notice - Defining Larger Particpants of the International Money Transfer Market
Advance Notice of Proposed Rulemaking
Closed 4/1/2014 | Read comments

30-Day PRA Notice - Randomized Evaluation of the Credit Matters Loan at St. Louis Community Credit Union and Credit Matters Counseling offered by BALANCE Financial Fitness Program
Notice and request for comment.
Closed 3/21/2014 | Read comments

Notice - Electronic Fund Transfers (Regulation E)
Notice and request for comment.
Closed 3/17/2014; Effective 10/28/2013

Notice of Publication - Electronic Fund Transfers (Regulation E): Remittance Rule Safe Harbor List
Notice and request for comment.
Closed 3/17/2014; Effective 10/28/2013
Please submit comments to CFPB_CountriesList@cfpb.gov

30-Day System of Records Notice - Enforcement Database
Notice of Proposed Privacy Act System of Records
Closed 3/5/2014

30-Day System of Records Notice - Ombudsman System
Notice of Modified Privacy Act System of Records
Closed 3/5/2014

Debt Collection (Regulation F)
Advance Notice of Proposed Rulemaking
Closed 2/28/2014 | Read comments

Debt Collection (Regulation F): Extension of Comment Period
Notice and request for information; extension of comment period.
Closed 2/28/2014 | Read comments

30-Day PRA Notice - Fair Credit Reporting Act (Regulation V) 12 CFR 1022
Notice and request for comment.
Closed 2/20/2014 | Read comments

Proposed Interagency Policy Statement Establishing Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies
Notice and request for comment.
Closed 2/7/2014 | Read comments

30-Day Notice - Request for Information Regarding the Mortgage Closing Process
Notice and request for information.
Closed 2/7/2014 | Read comments

30-Day PRA Notice-Development of Metrics to Measure Financial Well-being of Working-age and Older American Consumers
Notice and request for comment.
Closed 1/27/2014

30-Day System of Records Notice (SORN) - Correspondence Tracking Database
Notice and request for comment.
Closed 1/16/2014

30-Day System of Records Notice (SORN) - Biographies
Notice and request for comment.
Closed 12/23/2013; Effective 12/31/2013

30-Day System of Records Notice (SORN) - Employee Administrative Records System
Notice and request for comment.
Closed 12/12/2013; Effective 11/23/2013 | Read comments

Interim Final Rule - Rules of Practice for Issuance of Temporary Cease-and-Desist Orders
Notice and request for comment.
Closed 11/25/2013; Effective 9/26/2013 | Read comments

Amendments to the 2013 Mortgage Rules Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending (Regulation Z)
Interim final rule with Request for Public Comment
Closed 11/22/2013; Effective 1/10/2014 | Read comments

60-Day PRA Notice - Proposed Collection; Comment Request Relating to the Equal Access to Justice Act
Notice and request for comment.
Closed 10/22/2013 | Read comments

60-Day PRA Notice - Development of Metrics to Measure Financial Well-being of Working-age and Older American Consumers
Notice and request for comment.
Closed 10/7/2013 | Read comments

Privacy Act of 1974, as Amended
Notice and request for comment.
Closed 10/7/2013

60-Day PRA Notice - Evaluations of Financial Capability Programs for Economically-Vulnerable Consumers: Two Randomized Evaluations
Notice and request for comment.
Closed 9/30/2013 | Read comments

Notice of Availability of the Determination for Eligibility for Listing on the Historic Register
Notice and request for comment.
Closed 9/25/2013

Notice of Availability of Final Environmental Assessment (FINAL EA) and a Finding of No Significant Impact (FONSI) for Renovation and Modernization of the Organization Headquarters Building, Washington, DC
Notice and request for comment.
Closed 9/25/2013
Please submit comments to michael.davis@cfpb.gov

60-Day PRA Notice - Fair Credit Reporting Act (Regulation V) 12 CFR 1022
Notice and request for comment.
Closed 9/23/2013 | Read comments

30-Day Notice - Social Networks and Citizen Engagement System
Notice and request for comment.
Closed 9/16/2013

Appraisals for Higher-Priced Mortgage Loans - Supplemental Proposal
Proposed rule with request for public comment
Closed 9/9/2013 | Read comments

30-Day Notice — CFPB Freedom of Information Act (FOIA)/Privacy Act (PA) System
Notice and request for comment.
Closed 9/4/2013

30-Day PRA Notice - Truth in Savings (Regulation DD) 12 CFR 1030
Notice and request for comment.
Closed 8/30/2013 | Read comments

30 Day PRA Notice – Generic Clearance for Consumer Complaint and Information Collection System (Testing and Feedback)
Notice and request for comment.
Closed 8/26/2013 | Read comments

60 Day PRA - Telephone Survey Exploring Consumer Awareness of and Perceptions Regarding Dispute Resolution Provisions in Credit Card Agreements
Notice and request for comment.
Closed 8/6/2013 | Read comments

30-Day PRA Notice - Program Evaluation of Financial Empowerment Training Programs
Notice and request for comment.
Closed 8/1/2013 | Read comments

30-Day PRA Notice - Report of Terms of Credit Card Plans (Form FR 2572)
Notice and request for comment.
Closed 7/26/2013 | Read comments

Amendments to the 2013 Mortgage Rules under the Equal Credit Opportunity Act (Regulation B), Real Estate Settlement Procedures Act (Regulation X), and the Truth in Lending Act (Regulation Z)
Proposed rule with request for public comment
Closed 7/22/2013 | Read comments

30 Day PRA - Policy to Encourage Trial Disclosure Programs: Information Collection
Notice and request for comment.
Closed 7/18/2013 | Read comments

60 Day PRA Notice - Truth in Savings (Regulation DD)
Notice and request for comment.
Closed 7/15/2013 | Read comments

Consumer Financial Civil Penalty Fund
Proposed rule with request for public comment
Closed 7/8/2013 | Read comments

60 Day PRA Notice - Report of Terms of Credit Card Plans
Notice and request for comment.
Closed 6/7/2013 | Read comments

Judicial and administrative filings collection
Notice of Proposed Privacy Act System of Records
Closed 5/31/2013 | Read comments
Please submit comments to privacy@cfpb.gov

CFPB advisory boards and committees
Notice of Proposed Privacy Act System of Records
Closed 5/31/2013 | Read comments
Please submit comments to privacy@cfpb.gov

Defining Larger Participants of the Student Loan Servicing Market
Proposed rule with request for public comment
Closed 5/28/2013 | Read comments

Loan Originator Compensation Requirements Under the Truth in Lending Act (Regulation Z); Prohibition on Financing Credit Insurance Premiums; Delay of Effective Day
Proposed rule with request for public comment
Closed 5/25/2013 | Read comments

30 Day PRA Notice - Generic Clearance for Qualitative Consumer Education and Engagement Information Collections
Notice and request for comment.
Closed 5/8/2013 | Read comments

Amendments to the 2013 Escrows Final Rule Under the Truth in Lending Act (Regulation Z)
Proposed rule with request for public comment
Closed 5/3/2013 | Read comments

Request for Information Regarding an Initiative to Promote Student Loan Affordability
Notice and request for information.
Closed 4/8/2013 | Read comments

Request for Information Regarding Financial Products Marketed to Students Enrolled in Institutions of Higher Education
Notice and request for information.
Closed 3/18/2013 | Read comments

Ability to Repay Standards Under the Truth in Lending Act (Regulation Z)
Proposed rule with request for public comment
Closed 2/25/2013 | Read comments
Comments on the Paperwork Reduction Act analysis in part VIII of this Federal Register notice must be received on or before March 1, 2013.

Proposed Amendments to the Ability to Repay Standards under the Truth in Lending Act
Notice of proposed rulemaking and request for public comment
Closed 2/25/2013
The comment period on the PRA analysis will close 30 days after publication. Online comment intake will open soon.

Request for Information Regarding Credit Card Market
Notice and request for information.
Closed 2/19/2013 | Read comments

Policy To Encourage Trial Disclosure Programs; Information Collection
Notice of proposed policy and proposed information collection with request for comment
Closed 2/15/2013 | Read comments

Remittance Rule (Amendment to Regulation E)
Proposed rule with request for public comment
Closed 1/30/2013 | Read comments

Escrow Requirements Under the Truth in Lending Act (Regulation Z)
Final Rule; official interpretation
Closed 1/22/2013; Effective 6/1/2013

Truth in Lending (Regulation Z)
Proposed rule with request for public comment
Closed 1/7/2013 | Read comments

Defining Larger Participants of the Consumer Debt Collection Market; Correction
Final rule; correction
Closed 12/7/2012; Effective 1/2/2013

Delayed Implementation of Certain New Mortgage Disclosures
Final Rule; official interpretation
Closed 11/23/2012; Effective 11/23/2012

Truth in Lending (Regulation Z)
Final Rule; official interpretation
Closed 11/21/2012; Effective 1/1/2013

Truth in Lending (Regulation Z)
Final rule; official interpretations and commentary
Closed 11/21/2012; Effective 1/1/2013

Consumer Leasing (Regulation M)
Final rule; official interpretations and commentary
Closed 11/21/2012; Effective 1/1/2013

Fair Credit Reporting (Regulation V); Correction
CORRECTING Amendments
Closed 11/14/2012; Effective 11/14/2012

High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act (Regulation Z) and Homeownership Counseling Amendments to the Real Estate Settlement Procedures Act (Regulation X)
Proposed rule with request for public comment
Closed 11/6/2012 | Read comments
The comment period for whether and how to account for the implications of a more inclusive finance charge on the scope of HOEPA coverage, see proposed Sec. 1026.32(a)(1)(i) and (b)(1)(i), was extended to November 6, 2012. The comment period for all other proposed amendments closed on September 7th. The Paperwork Reduction Act comment period closed October 15, 2012. Closed 09/07/2012 (Paperwork Reduction Act comment period closed October 15, 2012. See also Notice of Comment Extension on whether and how to account for the implications of a more inclusive finance charge on the scope of HOEPA coverage.)

Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)
Proposed rule with request for public comment
Closed 11/6/2012 | Read comments
Comments regarding the proposed amendments to 12 CFR 1026.1(c) closed 09/07/2012. See also Notice of Comment Extension for revised finance charge definition.

Request for Information on Effective Financial Education
Notice and request for information.
Closed 10/31/2012 | Read comments
Due to the impacts of Hurricane Sandy, the Bureau extended the deadline of this comment period from October 31, 2012, until November 2, 2012.

Defining Larger Participants of the Consumer Debt Collection Market
Final Rule
Closed 10/31/2012; Effective 1/2/2013 | Read comments

Electronic Fund Transfers; Intent to Make Determination of Effect on State Laws (Maine and Tennessee)
Notice of intent to make preemption determination
Closed 10/22/2012 | Read comments

Truth in Lending Act (Regulation Z); Loan Originator Compensation
Proposed rule with request for public comment
Closed 10/16/2012 | Read comments
Comments must be received on or before October 16, 2012, except for comments on the Paperwork Reduction Act analysis in part IX of this document, which must be received on or before November 6, 2012.

Equal Credit Opportunity Act - Appraisals (Regulation B)
Proposed rule with request for public comment
Closed 10/15/2012 | Read comments
Comments must be received on or before October 15, 2012, except that comments on the Paperwork Reduction Act analysis in part VIII of the Supplementary Information must be received on or before October 22, 2012.

Appraisals for Higher Risk Mortgage Loans
Proposed rule with request for public comment
Closed 10/15/2012 | Read comments
AGENCIES: Board of Governors of the Federal Reserve System (Board); Bureau of Consumer Financial Protection (Bureau); Federal Deposit Insurance Corporation (FDIC); Federal Housing Finance Agency (FHFA); National Credit Union Administration (NCUA); and Office of the Comptroller of the Currency, Treasury (OCC). Comments must be received on or before October 15, 2012, except that comments on the Paperwork Reduction Act analysis in part VIII of the Supplementary Information must be received on or before November 5, 2012.

2012 Real Estate Settlement Procedures Act (Regulation X) Mortgage Servicing Proposal
Proposed rule with request for public comment
Closed 10/9/2012 | Read comments
Comments must be received on or before October 9, 2012, except that comments on the Paperwork Reduction Act analysis in part IX of this Federal Register notice must be received on or before November 16, 2012. Update (8/20/12): The proposal was updated to reflect corrections and other changes on page 9 concerning litigation and settlements concerning servicing.

2012 Truth in Lending Act (Regulation Z) Mortgage Servicing Proposal
Proposed rule with request for public comment
Closed 10/9/2012 | Read comments
Comments must be received on or before October 9, 2012, except that comments on the Paperwork Reduction Act analysis in part IX of the Federal Register notice must be received on or before November 16, 2012. Update (8/20/12): The proposal was updated to reflect corrections and other changes on page 9 concerning litigation and settlements concerning servicing.

Enforcement of Nondiscrimination on the Basis of Disability in Programs and Activities Conducted by the Bureau of Consumer Financial Protection
Interim final rule with Request for Public Comment
Closed 10/5/2012; Effective 8/6/2012 | Read comments

Consumer Use of Reverse Mortgages
Notice and request for information.
Closed 8/31/2012 | Read comments

Request for Information Regarding Senior Financial Exploitation
Request for Information
Closed 8/30/2012 | Read comments

Equal Access to Justice Act Implementation Rule
Interim final rule with Request for Public Comment
Closed 8/28/2012 | Read comments

Electronic Fund Transfers (Regulation E)
Final Rule; official interpretation
Closed 8/20/2012; Effective 2/7/2013 | Read comments

Request for Information Regarding Complaints from Private Education Loan Borrowers
Notice and request for information.
Closed 8/13/2012 | Read comments

Procedural Rules to Establish Supervisory Authority over Certain Nonbank Covered Persons Based on Risk Determination
Proposed rule with request for public comment
Closed 7/24/2012 | Read comments

Electronic Fund Transfers (Regulation E) (Prepaid Cards ANRPM)
Advance Notice of Proposed Rulemaking
Closed 7/23/2012 | Read comments

Defining Larger Participants of the Consumer Reporting Market
Final Rule
Closed 7/20/2012; Effective 9/30/2012 | Read comments

Electronic Fund Transfers (Regulation E); Correction
Final Rule; official interpretation; CORRECTION
Closed 7/10/2012; Effective 2/7/2013 | Read comments

Disclosure of Consumer Complaint Data
Notice of proposed policy statement
Closed 7/9/2012 | Read comments

Truth in Lending (Regulation Z) (Qualified Mortgage, Ability to Repay)
Notice of reopening of comment period and request for comment
Closed 7/9/2012 | Read comments

Confidential Treatment of Privileged Information
Final Rule
Closed 7/5/2012; Effective 8/6/2012 | Read comments

Impacts of Overdraft Programs on Consumers
Notice and request for information; extension of comment period.
Closed 6/29/2012 | Read comments

State Official Notification Rules
Final Rule
Closed 6/29/2012; Effective 6/29/2012 | Read comments

Rules of Practice for Adjudication Proceedings
Final Rule
Closed 6/29/2012; Effective 6/29/2012 | Read comments

Rules Relating to Investigations
Final Rule
Closed 6/29/2012; Effective 6/29/2012 | Read comments

Supplemental Standards of Ethical Conduct for Employees of the Bureau of Consumer Financial Protection
Interim final rule with Request for Public Comment
Closed 6/26/2012 | Read comments

Request for Information Regarding Scope, Methods, and Data Sources for Conducting Study of Pre-Dispute Arbitration Agreements
Notice and request for information.
Closed 6/23/2012 | Read comments

Disclosure of Certain Credit Card Complaint Data
Notice of final policy statement.
Closed 6/19/2012; Effective 6/19/2012 | Read comments

Truth in Lending (Regulation Z)
Proposed rule with request for public comment
Closed 6/11/2012 | Read comments

Proposed Collection; Comment Request (Quantitative Testing of Integrated Mortgage Loan Disclosure Forms)
Notice and request for comment.
Closed 5/29/2012 | Read comments

Proposed Collection; Comment Request (Attitudes, Understanding, and Behaviors with Respect to Financial Services and Products)
Notice and request for comment.
Closed 5/29/2012 | Read comments

Proposed Collection; Comment Request (Generic Clearance for User Testing of Consumer Financial Products and Services)
Notice and request for comment.
Closed 5/29/2012 | Read comments

Interstate Land Sales Registration Program, Special Rules of Practice; Correction
CORRECTING Amendments
Closed 5/3/2012; Effective 5/3/2012 | Read comments

Impacts of Overdraft Programs on Consumers
Notice and request for information.
Closed 4/30/2012 | Read comments

Streamlining Inherited Regulations
Notice of streamlining project; request for information.
Closed 4/30/2012 | Read comments
Initial comment period closed 03/05/2012; comment response period closed 06/04/2012.

Proposed Collection; Comment Request (Applications for Advisory Boards, Groups, and Committees)
Notice and request for comment.
Closed 4/24/2012 | Read comments

Request for Comment on Payday Lending Hearing Transcript
Notice and request for comment.
Closed 4/23/2012 | Read comments

Defining Larger Participants in Certain Consumer Financial Product and Service Markets
Proposed rule with request for public comment
Closed 4/17/2012 | Read comments

Confidential Treatment of Privileged Information
Proposed rule with request for public comment
Closed 4/16/2012 | Read comments

Electronic Fund Transfers (Regulation E)
Proposed rule with request for public comment
Closed 4/9/2012 | Read comments

Fair Credit Reporting Act Disclosures
Notice regarding charges for certain disclosures under the Fair Credit Reporting Act
Closed 4/3/2012; Effective 4/30/2012 | Read comments

Proposed collection; comment request (Clearance for Financial Education Program Evaluation)
Notice and request for comment.
Closed 3/19/2012 | Read comments

Agency Information Collection Activities; Renewal of Currently Approved Collections; Comment Request
Notice and request for comment.
Closed 3/19/2012 | Read comments

Proposed Collection; comment request (Report of Terms of Credit Card Plans)
Notice and request for comment.
Closed 3/19/2012 | Read comments

Streamlining Inherited Regulations
Notice of streamlining project; request for information; extension of comment response period.
Closed 3/13/2012 | Read comments
Initial comment period closed 03/05/2012; comment response period closed 06/04/2012.

Electronic Fund Transfers (Regulation E)
Interim final rule with Request for Public Comment
Closed 2/27/2012; Effective 12/30/2011 | Read comments

Truth in Savings (Regulation DD)
Interim final rule with Request for Public Comment
Closed 2/21/2012; Effective 12/30/2011 | Read comments

Truth in Lending (Regulation Z)
Interim final rule with Request for Public Comment
Closed 2/21/2012; Effective 12/30/2011 | Read comments

Fair Credit Reporting (Regulation V)
Interim final rule with Request for Public Comment
Closed 2/21/2012; Effective 12/30/2011 | Read comments

Interstate Land Sales Registration Program (Regulations J, K, and L)
Interim final rule with Request for Public Comment
Closed 2/21/2012; Effective 12/30/2011 | Read comments

Equal Credit Opportunity (Regulation B)
Interim final rule with Request for Public Comment
Closed 2/21/2012; Effective 12/30/2011 | Read comments

Consumer Leasing (Regulation M)
Interim final rule with Request for Public Comment
Closed 2/17/2012; Effective 12/30/2011 | Read comments

S.A.F.E. Mortgage Licensing Act (Regulations G & H)
Interim final rule with Request for Public Comment
Closed 2/17/2012; Effective 12/30/2011 | Read comments

Home Mortgage Disclosure Act (Regulation C)
Interim final rule with Request for Public Comment
Closed 2/17/2012; Effective 12/30/2011 | Read comments

Home Mortgage Disclosure (Regulation C)
Final rule; official commentary
Closed 2/15/2012; Effective 2/15/2012 | Read comments

Mortgage Acts and Practices - Advertising (Regulation N); Mortgage Assistance Relief Services (Regulation O)
Interim final rule with Request for Public Comment
Closed 2/14/2012; Effective 12/30/2011 | Read comments

Disclosure Requirements for Depository Institutions Lacking Federal Deposit Insurance (Regulation I)
Interim final rule with Request for Public Comment
Closed 2/14/2012; Effective 12/30/2011 | Read comments

Fair Debt Collection Practices Act (Regulation F)
Interim final rule with Request for Public Comment
Closed 2/14/2012; Effective 12/30/2011 | Read comments

Electronic Fund Transfers (Regulation E)
Final Rule; official interpretation
Closed 2/7/2012; Effective 2/7/2013 | Read comments

Disclosure of Certain Credit Card Complaint Data
Notice of proposed policy statement with request for comment.
Closed 1/30/2012 | Read comments

Proposed Collection; Comment Request (Generic Clearance for Development and/or Testing of Model Forms, Disclosures, Tools, and Other Similar Related Materials)
Notice and request for comment.
Closed 1/30/2012 | Read comments

Proposed Collection; Comment Request (CFPB State Official Notification Rules)
Notice and request for comment.
Closed 1/20/2012 | Read comments

Request for Information Regarding Private Education Loans and Private Educational Lenders
Notice and request for information.
Closed 1/17/2012 | Read comments

Submission for OMB Review; Comment Request (Emergency Clearance Request; Qualatitive Testing of Mortgage Servicing Related Model Forms and Disclosures)
Notice and request for comment.
Closed 1/13/2012 | Read comments

Proposed Collection; Comment Request (Generic Clearance for Consumer Complaint and Information Collection Systems)
Notice and request for comment.
Closed 12/30/2011 | Read comments

Real Estate Settlement Procedures Act (Regulation X)
Interim final rule with Request for Public Comment
Closed 12/30/2011; Effective 12/30/2011 | Read comments

Consumer Leasing (Regulation M); Correction
Interim final rule; CORRECTION
Closed 12/29/2011; Effective 12/30/2011 | Read comments

Disclosure of Records and Information [Housekeeping Rule]
Interim final rule with Request for Public Comment
Closed 9/26/2011; Effective 7/28/2011 | Read comments

Alternative Mortgage Transaction Parity Act [Regulation D]
Interim final rule with Request for Public Comment
Closed 9/26/2011; Effective 7/28/2011 | Read comments

State Official Notification Rules
Interim final rule with Request for Public Comment
Closed 9/26/2011; Effective 7/28/2011 | Read comments

Rules of Practice for Adjudication Proceedings
Interim final rule with Request for Public Comment
Closed 9/26/2011; Effective 7/28/2011 | Read comments

Rules Relating to Investigations
Interim final rule with Request for Public Comment
Closed 9/26/2011; Effective 7/28/2011 | Read comments

Request for Information on Consumer Financial Products and Services Offered to Servicemembers
Notice and request for comment.
Closed 9/20/2011 | Read comments

Defining Larger Participants in Certain Consumer Financial Products and Services Markets
Notice and request for comment.
Closed 8/15/2011 | Read comments

Identification of Enforceable Rules and Orders [1063(i)]
Final List
Closed 7/21/2011; Effective 7/21/2011 | Read comments

Identification of Enforceable Rules and Orders [1063(i)]
Notice and request for comment.
Closed 6/30/2011 | Read comments

Designated Transfer Date
Notice
Closed 9/20/2010; Effective 9/20/2010 | Read comments