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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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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.


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.


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”).


Statement on supervisory practices regarding financial institutions and consumers affected by a major disaster or emergency

The Bureau of Consumer Financial Protection (Bureau) recognizes the serious impact major disasters or emergencies have on consumers and the operations of many supervised entities. Existing laws and regulations provide supervised entities regulatory flexibility to take certain actions that can benefit consumers in communities under stress and hasten recovery. The Bureau will also consider the impact of major disasters or emergencies on supervised entities themselves when conducting supervisory activities.


Statement on supervisory practices regarding financial institutions and consumers affected by Hurricanes Harvey and Irma

The Consumer Financial Protection Bureau (CFPB) is updating its statement on Hurricane Harvey to also address Hurricane Irma. The CFPB advises our supervised entities that we encourage them to work with consumers affected by Hurricanes Harvey and Irma to make use of existing regulatory flexibility where doing so would benefit consumers affected by these major disasters.


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.


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.


Status of New Uniform Residential Loan Application and Collection of Expanded Home Mortgage Disclosure Act Information about Ethnicity and Race in 2017 under Regulation B

This notice is issued pursuant to section 706(e) of the Equal Credit Opportunity Act and concerns the new Uniform Residential Loan Application and the collection of expanded Home Mortgage Disclosure Act information about ethnicity and race in 2017.