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Supervisory guidance

The Bureau periodically releases policy guidance, including compliance bulletins, joint-agency memoranda, and other notices and guidance to inform and advise regulated entities.

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Published

Joint Statement on Supervisory and Enforcement Practices Regarding the Mortgage Servicing Rules in Response to the COVID-19 Emergency and the CARES Act

The federal financial institution regulatory agencies and the state financial regulators issued a joint policy statement providing needed regulatory flexibility to enable mortgage servicers to work with struggling consumers affected by the Coronavirus Disease (referred to as COVID-19) emergency.
Published

Statement on Supervisory and Enforcement Practices Regarding the Remittance Rule in Light of the COVID-19 Pandemic

For remittances that occur on or after July 21, 2020, and before January 1, 2021, the Bureau does not intend to cite in an examination or initiate an enforcement action in connection with the disclosure of actual third-party fees and exchange rates against any insured institution that will be newly required to disclose actual third-party fees and exchange rates after the temporary exception expires and instead continues to provide estimated disclosures that would have been allowed under the temporary exception.
Published

Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus (Revised)

The federal financial institution regulatory agencies (the agencies), in consultation with state financial regulators, issued a revised interagency statement encouraging financial institutions to work constructively with borrowers affected by COVID-19 and providing additional information regarding loan modifications.
Published

Memorandum of Understanding with the Federal Trade Commission

This Memorandum of Understanding (“MOU”), dated as of Feb. 25, 2019, is made and entered into by the Consumer Financial Protection Bureau (“CFPB”) and the Federal Trade Commission (“FTC”). This MOU is intended to facilitate the fulfillment of the Agencies’ responsibilities in a manner consistent with the Dodd-Frank Wall Street Reform and Consumer Protection Act (“Dodd-Frank Act”).
Published

Memorandum on financial institution and law enforcement efforts to combat elder financial exploitation

The Consumer Financial Protection Bureau, the United States Department of the Treasury, and the Financial Crimes Enforcement Network (FinCEN) are issuing this joint memorandum to encourage coordination among financial institutions, law enforcement, and adult protective service agencies (APS) in order to protect older adults from elder financial exploitation.
Published

Policy Guidance on Supervisory and Enforcement Priorities Regarding Early Compliance with the 2016 Amendments to the 2013 Mortgage Rules Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)

The Bureau is issuing non-binding policy guidance relating to a three-day period of early compliance with the 2016 Final Rule.