Final rules

Rules listed here are final rules issued by the CFPB. To identify all the rules related to a single consumer financial product, use the filter tool below.

Types of final rules

Final Rule
Other than interim final rules, this includes all CFPB final rules, including procedural and interpretive rules. Generally, final rules go through notice and comment  before issuance.

Interim Final Rule

Under some circumstances, the CFPB may issue final rules without a comment period before issuance. The CFPB may request comment on these rules and may later alter the rules, if necessary.

9 filtered results

Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)

The Bureau is finalizing comprehensive consumer protections for prepaid accounts under Regulations E and Z, including tailored provisions governing disclosures, limited liability and error resolution, periodic statements, and the posting of account agreements.  The final rule also regulates overdraft credit features that may be offered in conjunction with prepaid accounts.  

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 amending several mortgage servicing rules under Regulations X and Z, including provisions regarding loss mitigation, early intervention, and periodic statements.  The final rule also addresses successors in interest, debtors in bankruptcy, and borrowers who send a cease communication request under the Fair Debt Collection Practices Act.

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)

The Bureau is issuing this interpretive rule to clarify the interaction of the FDCPA and certain mortgage servicing rules in Regulations X and Z.  It provides safe harbors from FDCPA liability for servicers under certain circumstances. 

Finalization of Interim Final Rules (Subject to Any Intervening Amendments) Under Consumer Financial Protection Laws

Title X of the Dodd-Frank Act transferred rulemaking authority for certain consumer financial protection laws to the Bureau.  The Bureau republished the existing regulations implementing those laws as interim final rules, with technical and conforming changes to reflect the transfer of authority and certain other changes made by the Dodd-Frank Act. This final rule adopts those rules as final, subject to any intervening final rules published by the Bureau.

Amendments to Filing Requirements Under the Interstate Land Sales Full Disclosure Act (Regulations J and L)

The Bureau is amending Regulations J and L to permit the electronic submission of filings under the Interstate Land Sales Full Disclosure Act.  The Bureau is also making non-substantive corrections to regulatory and statutory citations and other technical changes to Regulations J and L. 

Disclosure of Records and Information

This final rule establishes procedures for the public to obtain information from the Bureau of Consumer Financial Protection, under the Freedom of Information Act, the Privacy Act of 1974, and in legal proceedings. This final rule also establishes the Bureau's rule regarding the confidential treatment of information obtained from persons in connection with the exercise of its authorities under Federal consumer financial law.