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Regulations

Final rules | Proposed rules | Links to the E-CFR | eRegulations

Final rules issued by the CFPB

2014

Amendment to the Annual Privacy Notice Requirement Under the Gramm-Leach-Bliley Act (Regulation P)

September 12
Defining Larger Participants of the International Money Transfer Market

September 9
Consumer Leasing (Regulation M) – Threshold Adjustments
Truth in Lending (Regulation Z) – Threshold Adjustments

August 22
Electronic Fund Transfers (Regulation E)

July 9
Application of Regulation Z’s Ability-to-Repay Rule to Certain Situations Involving Successors-in-Interest

June 19
Rules of Practice for Issuance of Temporary Cease-and-Desist Orders

February 10
Equal Access to Justice Act Implementation Rule

2013

Truth in Lending (Regulation Z): Adjustment to Asset-Size Exemption Threshold
Home Mortgage Disclosure (Regulation C): Adjustment to Asset-Size Exemption Threshold

December 12
Appraisals for Higher-Priced Mortgage Loans – Supplemental Final Rule

December 11
Truth in Lending (Regulation Z) – Threshold Adjustments (CARD, HOEPA)

December 3
Defining Larger Participants of the Student Loan Servicing Market

November 20
Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act (Regulation X) and the Truth In Lending Act (Regulation Z)
Truth in Lending (Regulation Z) – Threshold Adjustments
Consumer Leasing (Regulation M)

November 8
Homeownership Counseling Organizations Lists Interpretive Rule

October 15
Amendments to the 2013 Mortgage Rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)

September 26
Rules of Practice for Issuance of Temporary Cease-and-Desist Orders

September 13
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)

August 7
Electronic Fund Transfers (Regulation E); Correction

August 5
Claims under the Federal Tort Claims Act for Loss of or Damage to Property or for Personal Injury or Death

July 11
Bureau Procedures for Collection of Debts Owed to the United States

July 10
Amendments to the 2013 Mortgage Rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)

June 26
Procedural Rule to Establish Supervisory Authority over Certain Nonbank Covered Persons Based on Risk Determination

May 29
Ability-to-Repay and Qualified Mortgage Standards Under the Truth in Lending Act (Regulation Z)
Loan Originator Compensation Requirements under the Truth In Lending Act (Regulation Z); Prohibition on Financing Credit Insurance Premiums; Delay of Effective Date

May 16
Amendments to the 2013 Escrows Final Rule under the Truth in Lending Act (Regulation Z)

April 30
Electronic Fund Transfers (Regulation E)

April 29
Truth in Lending (Regulation Z)

April 26
Consumer Financial Civil Penalty Fund Rule

March 22
Truth in Lending (Regulation Z)

March 21
Amendments to Disclosures at Automated Teller Machines (Regulation E)

February 15
Disclosure of Records and Information

January 20
Loan Originator Compensation Requirements under the Truth in Lending Act (Regulation Z)

January 18
Disclosure and Delivery Requirements for Copies of Appraisals and Other Written Valuations Under the Equal Credit Opportunity Act (Regulation B)
Appraisals for Higher-Priced Mortgage Loans

January 17
2013 Real Estate Settlement Procedures Act (Regulation X) and Truth in Lending Act (Regulation Z) Mortgage Servicing Final Rules

January 10
Escrow Requirements under the Truth in Lending Act (Regulation Z)
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)
Ability to Repay and Qualified Mortgage Standards Under the Truth in Lending Act (Regulation Z)

2012

Procedure Relating to Rulemaking
Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold
Regulation M Exemption Threshold Adjustment
Regulation Z Exemption Threshold Adjustment
Regulation Z HOEPA Threshold Adjustment
Defining Larger Participants of the Consumer Reporting Market
Defining Larger Participants of the Consumer Debt Collection Market
Defining Larger Participants of the Consumer Debt Collection Market; Correction
Confidential Treatment of Privileged Information
Rules Relating to Investigations
Rules of Practice for Adjudication Proceedings
State Official Notification Rule
Equal Access to Justice Act Implementation Rule
Disclosure of Records and Information
Home Mortgage Disclosure (Regulation C) asset threshold for 2012
Fair Credit Reporting Act Disclosures ceiling for allowable charges
Correcting amendments to Regulation V (fair credit reporting)
Delayed Implementation of Certain New Mortgage Disclosures required under Title XIV of the Dodd-Frank Act
Supplemental Standards of Ethical Conduct for Employees of the Bureau of Consumer Financial Protection
Enforcement of Nondiscrimination on the Basis of Disability in Programs and Activities Conducted by the Bureau of Consumer Financial Protection

Proposed rules issued by the CFPB

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).
Defining Larger Participants of the Automobile Financing Market and Defining Certain Automobile Leasing Activity as a Financial Product or Service.
Home Mortgage Disclosure (Regulation C)
Amendment to the Annual Privacy Notice Requirement Under the Gramm-Leach-Bliley Act (Regulation P); notice of extended comment period
Amendments to the 2013 Mortgage Rules under the Truth in Lending Act (Regulation Z)
Remittance Rule – Temporary Exception (Regulation E); notice of extended comment period
Minimum Requirements for Appraisal Management Companies
Defining Larger Participants of the International Money Transfer Market
Appraisals for Higher-Priced Mortgage Loans – Supplemental Proposal
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)
Amendments to the 2013 Mortgage Rules under the Real Estate Settlement Procedure Act (Regulation X) and the Truth In Lending Act (Regulation Z)
Amendments to the 2013 Escrows Final Rule under the Truth in Lending Act (Regulation Z)
Ability to Repay Standards Under the Truth in Lending Act (Regulation Z)
»issued concurrent to the January 2013 Ability to Repay and Qualified Mortgage Standards final rule
Remittance Rule (Regulation E)
2012 Truth in Lending Act (Regulation Z) Mortgage Servicing Proposal
2012 Real Estate Settlement Procedures Act (Regulation X) Mortgage Servicing Proposal
Defining Larger Nonbank Participants in Certain Consumer Financial Products and Services Markets
Truth in Lending Act (Regulation Z); Loan Originator Compensation
Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth In Lending Act (Regulation Z); notice of extended comment period
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); notice of extended comment period

You can find these and other proposed rules and requests for public comment on our Notice and Comment page.

Other notices

Small Business Review Panel on HMDA
Fair Credit Reporting Act Disclosures
Electronic Fund Transfers; Determination of Effect on State Laws (Maine and Tennessee)

Links to the Electronic Code of Federal Regulations

The E-CFR is updated each time a final rule becomes effective. Most new rules we issue will amend one or more of the existing federal regulations listed below. Should we issue an entirely new regulation, we will note it specifically and add it to this list. The E-CFR contains both our regulations that govern consumer financial protections and other regulations related to CFPB policies and procedures (including establishing larger participant thresholds).

We’ve created eRegulations, a new way to read, understand, and use regulations. We’re piloting this tool with Regulation E and Regulation Z. Check it out and give us your feedback as we decide whether to expand and maintain this tool.

Consumer financial protection regulations

Regulation B: Equal Credit Opportunity
Regulation C: Home Mortgage Disclosure
Regulation D: Alternative Mortgage Parity Act
Regulation E: Electronic Fund Transfers
Regulation F: Fair Debt Collection Practices Act
Regulation G: S.A.F.E. Mortgage Licensing Act – Federal Registration of Residential Mortgage Loan Originators
Regulation H: S.A.F.E. Mortgage Licensing Act – State Compliance and Bureau Registration System
Regulation I: Disclosure Requirements for Depository Institutions Lacking Federal Deposit Insurance
Regulation J: Land Registration
Regulation K: Purchasers’ Revocation Rights, Sales Practices and Standards
Regulation L: Special Rules of Practice
Regulation M: Consumer Leasing
Regulation N: Mortgage Acts and Practices-Advertising
Regulation O: Mortgage Assistance Relief Services
Regulation P: Privacy of Consumer Financial Information
Regulation V: Fair Credit Reporting
Regulation X: Real Estate Settlement Procedures Act
Regulation Z: Truth in Lending
Regulation DD: Truth in Savings

Other regulations

Disclosure of records and information
Rules Implementing Equal Access to Justice Act
Enforcement of Nondiscrimination on the Basis of Disability in Programs and Activities Conducted by the Bureau of Consumer Financial Protection
Procedure Relating to Rulemaking
Rules Relating to Investigations
Rules of Practice for Adjudication Proceedings
State Official Notification Rules
Defining Larger Participants of Certain Consumer Financial Product and Service Markets