Final rules

The CFPB is issuing a final rule that amends provisions related to disparate impact, discouragement of applicants or prospective applicants, and special purpose credit programs under Regulation B, the regulation implementing the Equal Credit Opportunity Act.

This direct final rule rescinds the CFPB’s procedures by which a State official must notify the CFPB when the official takes an action to enforce the Consumer Financial Protection Act.

The CFPB is withdrawing a previously published direct final rule that would have rescinded procedures by which a State official must notify the Bureau when the official takes an action to enforce the Consumer Financial Protection Act.

The Rules of Practice for Adjudication Proceedings govern adjudication proceedings conducted by the Consumer Financial Protection Bureau (CFPB). This final rule rescinds certain amendments it adopted to the Rules of Practice on February 22, 2022, and March 29, 2023 (2022 and 2023 amendments).

The OCC, the Board, and the Bureau are finalizing amendments to the official interpretations for their regulations that implement section 129H of the Truth in Lending Act (TILA) based on the CPI-W in effect as of June 1, 2025.

Based on the annual percentage increase in the CPI-W as of June 1, 2025, the exemption threshold for consumer credit transactions in Regulation Z will increase from $71,900 to $73,400 effective, January 1, 2026.

Based on the annual percentage increase in the CPI-W as of June 1, 2025, the exemption threshold for consumer leases in Regulation M will increase from $71,900 to $73,400 effective January 1, 2026.

The Consumer Financial Protection Bureau is required to calculate annually the dollar amount of the maximum allowable charge for disclosures by a consumer reporting agency to a consumer pursuant to section 609 of the FCRA; this final rule establishes the maximum allowable charge for the 2026 calendar year.

The Bureau is required to calculate annually the dollar amounts for several provisions in Regulation Z; this final rule revises dollar amounts for certain provisions implementing TILA and amendments to TILA.

The CFPB is issuing a final rule to rescind its rule establishing a registry of certain final public orders applicable to certain nonbank covered persons.

CFPB finalizes its June 2025 interim final rule amending Regulation B, extending compliance dates in its 2023 small business lending rule and making other adjustments.

The CFPB is adopting a procedural rule to rescind its rule specifying how it issues rules and when rules are considered issued.

Small business lending rule extension of compliance dates 2025

The CFPB is finalizing a rule amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), concerning medical information.

The Bureau is adjusting for inflation the maximum amount of each civil penalty within the Bureau’s jurisdiction.

The Consumer Financial Protection Bureau (Bureau) 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).

This rule amends Regulation Z (Truth in Lending) to implement certain amendments to the Truth in Lending Act made by the Dodd-Frank Act. This rule amends the official commentary that interprets the requirements of the Bureau’s Regulation Z (Truth in Lending) to reflect changes in the asset-size thresholds for certain creditors to qualify for an exemption to the requirement to establish an escrow account for a higher-priced mortgage loan. These changes reflect updates to, together with affiliates that regularly extended covered transactions secured by first liens, had total assets of less than $2 billion (adjusted annually for inflation) and the exemption the Bureau added, by implementing section 108 of the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA), for certain insured depository institutions and insured credit unions with assets of $10 billion or less (adjusted annually for inflation). These amendments are based on the annual percentage change in the average of the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).

In this final rule, the CFPB amends Regulation Z to address how the Truth in Lending Act applies to Property Assessed Clean Energy (PACE) transactions.

The CFPB is issuing this final rule to allow consumers to better comparison shop across credit products and provide substantive protections that apply to other consumer credit.

Final rule to establish CFPB authority to supervise and examine larger participants of a market for general-use digital consumer payment applications (funds transfer apps and digital payment wallets.)

This final rule amends an appendix for Regulation V, which implements the Fair Credit Reporting Act (FCRA).

This final rule revises, as applicable, dollar amounts for provisions implementing TILA and amendments to TILA.

CFPB Issues Required Rulemaking on Personal Financial Data Rights (CFPA section 1033).

This final rule increases the dollar threshold for exempt consumer leases under Regulation M from $61,000 to $66,400, effective January 1, 2023.

This final rule increases the dollar threshold exempting certain credit extensions from the special appraisal requirements for higher-priced mortgage loans from $28,500 to $31,000, effective January 1, 2023.