The Bureau is adjusting for inflation the maximum amount of each civil penalty within the Bureau’s jurisdiction.
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
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.
The Bureau is amending the official commentary that interprets the requirements of the Bureau’s Regulation Z (Truth in Lending) to reflect a change in the asset-size threshold for certain creditors to qualify for an exemption to the requirement to establish an escrow account for a higher-priced mortgage loan based on the annual percentage change in the average of the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) for the 12-month period ending in November.
The CFPB is issuing a final rule amending the official commentary that interprets the requirements of the Bureau's Regulation C (Home Mortgage Disclosure) to reflect the asset-size exemption threshold for banks, savings associations, and credit unions based on the annual percentage change in the average of the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).
The Bureau of Consumer Financial Protection (Bureau) announces that the ceiling on allowable charges under section 612(f) of the Fair Credit Reporting Act (FCRA) will remain unchanged at $12.50, effective for 2020.
This interpretive rule construes Regulation Z, which implements the Truth in Lending Act (TILA).
Based on the annual percentage increase in the CPI-W as of June 1, 2019, the exemption threshold will increase from $57,200 to $58,300 effective Jan. 1, 2020.
Based on the CPI-W in effect as of June 1, 2019, the exemption threshold will increase from $26,700 to $27,200, effective Jan. 1, 2020.
Based on the annual percentage increase in the CPI-W as of June 1, 2019, the exemption threshold will increase from $57,200 to $58,300 effective January 1, 2020.
The Bureau is amending Regulation C to extend to January 1, 2022 the threshold of 500 open-end lines of credit for reporting data about open-end lines of credit and to incorporate into Regulation C the partial exemptions created by the Economic Growth, Regulatory Relief, and Consumer Protection Act.
The Board of Governors of the Federal Reserve System and the Consumer Financial Protection Bureau are amending Regulation CC, which implements the Expedited Funds Availability Act, to adjust dollar amounts to inflation and to extend coverage to American Samoa, the Commonwealth of the Northern Mariana Islands, and Guam.