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Guidance

Recent Actions

On April 11, 2025, Acting Director Vought issued an internal memorandum prohibiting improper use of guidance by the CFPB and directing a review of all guidance material previously produced.
On May 12, 2025, the CFPB published Interpretive Rules, Policy Statements, and Advisory Opinions, Withdrawal . The document withdrew 8 policy statements, 7 interpretive rules, 13 advisory opinions, and 39 other guidance documents. 90 FR 20084 (May 12, 2025).

Advisory Opinions, Other Interpretive Rules & Supervisory Guidance

The Bureau’s Advisory Opinion policy provides written guidance to assist regulated entities to better understand their legal and regulatory obligations through advisory opinions. The CFPB also periodically releases other interpretive rules. In addition, the Bureau periodically releases policy guidance, including circulars, compliance bulletins, joint-agency memoranda, and other notices and guidance to inform and advise regulated entities.

2025

Truth in Lending (Regulation Z); Non-application to Earned Wage Access Products , 90 FR 60069 (Dec. 23, 2025).

2023

Real Estate Settlement Procedures Act (Regulation X); Digital Mortgage Comparison-Shopping Platforms and Related Payments to Operators , 88 FR 9162 (Feb. 13, 2023).

2022

Fair Credit Reporting; Facially False Data , 87 FR 64689 (Oct. 26, 2022).

2025

Fair Credit Reporting Act; Preemption of State Laws , 90 FR 48710 (Oct. 28, 2025).
Authority of States to Enforce the Consumer Financial Protection Act of 2010; Recission , 90 FR 20565 (May 15, 2025).

2021

Truth in Lending (Regulation Z); Impact of the 2021 Juneteenth Holiday on Certain Closed-End Mortgage Requirements , 86 FR 44267 (Aug. 12, 2021).

2020

Truth in Lending (Regulation Z); Determining “Underserved” Areas Using Home Mortgage Disclosure Act Data , 85 FR 38299 (June 26, 2020).
Application of Certain Provisions in the TILA-RESPA Integrated Disclosure Rule and Regulation Z Right of Rescission Rules in Light of the COVID-19 Pandemic , 85 FR 26319 (May 04, 2020).
Treatment of Pandemic Relief Payments Under Regulation E and Application of the Compulsory Use Prohibition , 85 FR 23217 (Apr. 27, 2020).

2019

Truth in Lending (Regulation Z); Screening and Training Requirements for Mortgage Loan Originators With Temporary Authority , 84 FR 63791 (Nov. 24, 2019).

2016

Safe Harbors From Liability Under the Fair Debt Collection Practices Act for Certain Actions Taken in Compliance With Mortgage Servicing Rules Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) , 81 FR 71977 (Oct. 19, 2016).

2015

Homeownership Counseling Organizations Lists and High-Cost Mortgage Counseling Interpretive Rule , 80 FR 22091 (Apr. 21, 2015).

2013

Homeownership Counseling Organizations Lists Interpretive Rule , 78 FR 68343 (Nov. 14, 2013).

2025

Guidance on Referrals for Potential Criminal Enforcement , 90 FR 27530 (Jun. 27, 2025).

2024

Consumer Financial Protection Circular 2024-07: Design, Marketing, and Administration of Credit Card Rewards Programs , 89 FR 106277 (Dec. 30, 2024).

2022

Bulletin 2022-02: Compliance Bulletin on the Electronic Fund Transfer Act’s Compulsory Use Prohibition and Government Benefit Accounts , 87 FR 10297 (Feb. 15, 2022).

2021

CFPB Bulletin 2021-01: Changes to Types of Supervisory Communications, (Mar. 31, 2021).
Memorandum of Understanding with the National Credit Union Administration Regarding Enhanced Cooperation and Coordination, (Jan. 21, 2021).

2020

Statement of Policy on Applications for Early Termination of Consent Orders , 85 FR 69482 (Oct. 05, 2020).
Statement on Supervisory and Enforcement Practices Regarding Certain Large Loans Under the Regulations for Payday, Vehicle Title, and Certain High-Cost Installment Loans (July 7, 2020).
Bulletin 2020-02: Compliance Bulletin and Policy Guidance: Handling of Information and Documents During Mortgage Servicing Transfers , 85 FR 25281 (May 01, 2020).
Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus (Revised), (Apr. 07, 2020).
Joint Statement on Supervisory and Enforcement Practices Regarding the Mortgage Servicing Rules in Response to the COVID-19 Emergency and the CARES Act (Apr. 03, 2020).
Joint Statement Encouraging Responsible Small-Dollar Lending in Response to COVID-19 (Mar. 26, 2020).
Responsible Business Conduct: Self Assessing, Self-Reporting, Remediating and Cooperating (CFPB BULLETIN 2020-01) , 85 FR 15917 (Mar. 20, 2020).

2019

Statement on Collection of Demographic Information by Community Development Financial Institutions (June 27, 2019).
Memorandum of Understanding with the Federal Trade Commission (Feb. 26, 2019).

2018

Statement on Supervisory Practices Regarding Financial Institutions and Consumers Affected by a Major Disaster or Emergency (Sept. 14, 2018).

2017

Statement on Supervisory Practices Regarding Financial Institutions and Consumers Affected by Hurricane Maria (Sept. 22, 2017).
Statement on Supervisory Practices Regarding Financial Institutions and Consumers Affected by Hurricanes Harvey and Irma (Sept. 08, 2017).
Memorandum on financial institution and law enforcement efforts to combat elder financial exploitation (Aug. 30, 2017).
Compliance Bulletin 2017-01: Phone Pay Fees , 82 FR 35936 (Aug. 02, 2017).

2016

Compliance Bulletin and Policy Guidance; 2016-02, Service Providers , 81 FR 74410 (Oct. 26, 2016).
Status of New Uniform Residential Loan Application and Collection of Expanded Home Mortgage Disclosure Act Information About Ethnicity and Race in 2017 , 81 FR 66930 (Sept. 29, 2016).
Interagency Guidance Regarding Deposit Reconciliation Practices, (May 18, 2016).
Submission of credit card agreements under the Truth In Lending Act (Regulation Z) , 81 FR 19467 (Apr. 05, 2016).
Bulletin 2016-01: Bulletin re: furnisher Fair Credit Reporting Act (FCRA) obligation to have reasonable written policies and procedures , 81 FR 5992 (Feb. 04, 2016).

2015

Compliance Bulletin 2015-06: Requirements for Consumer Authorizations for Preauthorized Electronic Fund Transfers (Nov. 23, 2015).
Appeals of Supervisory Matters (Nov. 03, 2015).
Compliance Bulletin – Amendment to the Interstate Land Sales Full Disclosure Act , 80 FR 49127 (Aug. 17, 2015).
CFPB Bulletin 2015-03, Private Mortgage Insurance Cancellation and Termination (Aug. 04, 2015).
Compliance Bulletin-Treatment of Confidential Supervisory Information , 80 FR 10072 (Feb. 25, 2015).

2014

Federal Financial Institutions Examination Council (FFIEC) Credit Practices Guidance (Aug. 22, 2014).
Bulletin and Policy Guidance re: Mortgage Servicing Transfers (Aug. 19, 2014).
Policy Guidance on Supervisory and Enforcement Considerations Relevant to Mortgage Brokers Transitioning to Mini-Correspondent Lenders , 79 FR 41671 (July 17, 2014).

2013

Federal Financial Institutions Examination Council (FFIEC) Guidance: Social Media: Consumer Compliance Risk Management Guidance , 78 FR 76297 (Dec. 17, 2013).
Bulletin 2013-13: Homeownership Counseling List Requirements (Nov. 8, 2013)
Bulletin 2013-12: Implementation Guidance for Certain Mortgage Servicing Rules (Oct. 15, 2013).
Bulletin 2013-11: the Home Mortgage Disclosure Act (HMDA) and Regulation C – Compliance Management; CFPB HMDA Resubmission Schedule and Guidelines; and HMDA Enforcement (Oct. 09, 2013).
Interagency Guidance on Privacy Laws and Reporting Financial Abuse of Older Adults (Sept. 24, 2013).
Bulletin 2013-10: Payroll Card Accounts (Regulation E) (Sep. 12, 2013).
Bulletin 2013-08: Representations Regarding Effect of Debt Payments on Credit Reports and Scores (Jul. 10, 2013).
Bulletin 2013-05: The SAFE Act and the Uniform State Test (May 20, 2013).

2012

Statement of Intent for Sharing Information with State Regulators (Dec. 06, 2012).
Statement on Supervisory Practices Regarding Financial Institutions and Borrowers Affected by Hurricane Sandy (Nov. 16, 2012).
Interagency Guidance on Mortgage Servicing Practices (Jun. 21, 2012).
Memorandum of Understanding on Supervisory Coordination (May 16, 2012).
Bulletin 2012-05: SAFE Act and Transitional Licensing of Mortgage Loan Originators (Apr. 19, 2012).
Bulletin 2012-01: Supervisory Authority and Treatment of Confidential Supervisory Information (Jan. 04, 2012).

2011

Bulletin 2011-05: Whistleblower Information, and Law Enforcement Tips, and Anti-Retaliation Protections (Dec. 15, 2011)
Interagency Statement for Determining Asset Size of Institutions for Federal Consumer Financial Law Supervisory and Enforcement Purposes (Nov. 17, 2011).
Bulletin 2011-04: Notice and Opportunity to Respond and Advise (NORA) Prior to Enforcement Proceedings (Nov. 07, 2011).
Bulletin 11-1: Amendments to the Alternative Mortgage Transaction Parity Act (AMTPA) (Jun. 27, 2011).
General Counsel Letter regarding section 1071 of the Dodd-Frank Act (Apr. 11, 2011).

Page last modified Jun. 15, 2026 @ 01:19 PM EDT