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Archive of closed notices

The notices listed below are no longer open for public comment. Select a document title to read the full text of the notice or the comments that were received.

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Published

Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z): Seasoned QM Loan Definition

The Bureau of Consumer Financial Protection is proposing to create a new category of QMs (Seasoned QMs) for first-lien, fixed-rate covered transactions that have met certain performance requirements over a 36-month seasoning period, are held in portfolio until the end of the seasoning period, comply with general restrictions on product features and points and fees, and meet certain underwriting requirements.

Category: Request for comment or information | Category: Proposed rule |
Published

Remittance Transfers under the Electronic Fund Transfer Act (Regulation E)

This notice proposes changes to the Remittance Rule to mitigate the expiration of an exception that allows insured institutions to estimate certain costs associated with sending a remittance transfer to increase the normal course of business safe harbor.

Category: Proposed rule |
Published

Home Mortgage Disclosure (Regulation C)

The Bureau is proposing to amend Regulation C to increase the threshold for reporting data about closed-end mortgage loans, extend the temporary threshold for reporting data about open-end lines of credit and set a threshold upon expiration of the proposed extension, and further implement the amendments to HMDA made by the Economic Growth, Regulatory Relief, and Consumer Protection Act. 

Category: Information collection activities |
Published

Equal Credit Opportunity Act (Regulation B) 12 CFR 1002

The Equal Credit Opportunity Act (“ECOA”) was enacted to ensure that credit is made available to all creditworthy applicants without discrimination on the basis of sex, marital status, race, color, religion, national origin, age, or other prohibited bases under the ECOA. 

Category: Information collection activities |
Published

Report of Terms of Credit Card Plan

Form FR 2572 collects data on credit card pricing and availability from a sample of at least 150 financial institutions that offer credit cards. The data enable the Bureau of Consumer Financial Protection (Bureau) to present information to the public on terms of credit card plans.