The Consumer Financial Protection Bureau (CFPB) has updated its policy on ex parte presentations in rulemaking proceedings.
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 RuleOther 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.
Regulation E implements the Electronic Fund Transfer Act (EFTA), which establishes a basic framework of the rights, liabilities, and responsibilities of participants in the electronic fund and remittance transfer systems.
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.
Status of New Uniform Residential Loan Application and Collection of Expanded Home Mortgage Disclosure Act Information about Ethnicity and Race in 2017 under Regulation B
This notice is issued pursuant to section 706(e) of the Equal Credit Opportunity Act and concerns the new Uniform Residential Loan Application and the collection of expanded Home Mortgage Disclosure Act information about ethnicity and race in 2017.
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.
The Bureau is required to calculate annually the dollar amounts for several provisions in Regulation Z; this final rule reviews the dollar amounts for provisions implementing amendments to TILA under the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act), the Home Ownership and Equity Protection Act of 1994 (HOEPA), and the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act).
The Bureau is publishing for public comment an interim final rule to adjust the civil monetary penalties within the Bureau’s jurisdiction for inflation, as required by the Federal Civil Penalties Inflation Adjustment Act.
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.