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 Category: Proposed Rule

Mortgage Servicing Rules Under the Real Estate Settlement Procedures Act (Regulation Z)

The Bureau is proposing to amend a provision in Regulation Z that it issued in 2016 relating to the timing for mortgage servicers to transition to providing modified or unmodified periodic statements and coupon books in connection with a consumer’s bankruptcy case.

Published Category: Proposed Rule

Amendments to Rules Concerning Prepaid Accounts Under the Electronic Fund Transfer Act (Regulation E) and the Truth in Lending Act (Regulation Z)

The Bureau is proposing to amend its rules governing prepaid accounts under Regulation E, which implements the Electronic Fund Transfer Act, and Regulation Z, which implements the Truth in Lending Act. This proposal requests comment on potential modifications to several aspects of that rule.

Published Category: Proposed Rule

Amendments to Equal Credit Opportunity Act (Regulation B) Ethnicity and Race Information Collection

The Bureau is proposing amendments to Regulation B to permit creditors additional flexibility in complying with Regulation B in order to facilitate compliance with Regulation C and the collection and retention of information about the ethnicity, sex, and race of certain mortgage applicants.

Published Category: Proposed Rule

Prepaid Accounts Under the Electronic Fund Transfer Act (Regulation E) and the Truth in Lending Act (Regulation Z); Delay of Effective Date

The Bureau is proposing to delay the October 1, 2017 effective date of the rule governing Prepaid Accounts Under the Electronic Fund Transfer Act (Regulation E) and the Truth in Lending Act (Regulation Z) by six months, to April 1, 2018.

Published Category: Proposed Rule

Amendments to Federal Mortgage Disclosure Requirements under the Truth in Lending Act (Regulation Z)

The Bureau of Consumer Financial Protection (Bureau) is proposing various amendments to Federal mortgage disclosure requirements under the Real Estate Settlement Procedures Act and the Truth in Lending Act that are implemented in Regulation Z.

Published Category: Proposed Rule

Truth in Lending (Regulation Z)

The Board and the Bureau are proposing to amend the official interpretations and commentary for the agencies’ regulations that implement the Truth in Lending Act.  The proposal would memorialize the agencies’ calculation method for determining the annual adjustment of the dollar threshold for exempt consumer credit transactions in years following a year in which there is no annual percentage increase in the CPI-W.  

Published Category: Proposed Rule

Appraisals for Higher-Priced Mortgage Loans Exemption Threshold

The OCC, the Board and the Bureau are proposing to amend the official interpretations for their regulations that implement section 129H of the Truth in Lending Act.  The proposal would memorialize the agencies’ calculation method for determining the annual adjustment of the dollar threshold for exempt small loan transactions in years following a year in which there is no annual percentage increase in the CPI-W.  

Published Category: Proposed Rule

Consumer Leasing (Regulation M)

The Board and the Bureau are proposing to amend the official interpretations for the agencies’ regulations that implement the Consumer Leasing Act.  The proposal would memorialize the agencies’ calculation method for determining the annual adjustment of the dollar threshold for exempt consumer credit transactions in years following a year in which there is no annual percentage increase in the CPI-W.