The Bureau proposes to amend Regulation F, which implements the Fair Debt Collection Practices Act (FDCPA), to prescribe Federal rules governing the activities of debt collectors covered by the FDCPA.
Rules under development
Before issuing a final rule, the CFPB generally announces and explains its proposals to address an issue and invites public comment.
You can find all notices requesting public comment on our comprehensive “Notice and Opportunities for Comment” page.
Types of rules listed on this page
A proposed rule announces and explains the Bureau’s proposal to address an issue and invites the public to comment. The proposed rule and the public comments received on it form the basis of the final rule.
Advanced Notice of Proposed Rulemaking
An optional early step in CFPB rulemaking. Used to get initial public input on certain key aspects of potential rulemakings.
The Bureau is issuing this advance notice of proposed rulemaking relating to certain data points in the Bureau’s October 2015 final rule that were added to Regulation C or revised to require additional information, and coverage of certain business- or commercial-purpose loans.
The Bureau is proposing to amend Regulation C to increase the threshold for reporting data about closed-end mortgage loans, extend the temporary threshold for reporting data about open-end lines of credit and set a threshold upon expiration of the proposed extension, and further implement the amendments to HMDA made by the Economic Growth, Regulatory Relief, and Consumer Protection Act.
The Bureau is issuing this advance notice of proposed rulemaking relating to residential Property Assessed Clean Energy (PACE) financing to aid implementation of the Economic Growth, Regulatory Relief, and Consumer Protection Act section 307.
The Bureau is proposing to rescind the mandatory underwriting provisions of the regulation promulgated by the Bureau in November 2017 governing Payday, Vehicle Title, and Certain High-Cost Installment Loans.
The Bureau and the Federal Reserve Board are jointly proposing amendments to Regulation CC, which implements the Expedited Funds Availability Act, and are also providing an additional opportunity for public comment on certain amendments to Regulation CC that the Board proposed in 2011.
Home Mortgage Disclosure (Regulation C) Temporary Increase in Institutional and Transactional Coverage Thresholds for Open-End Lines of Credit
The proposed rule would temporarily raise the reporting threshold for open-end lines of credit to 500 loans.
Technical Corrections and Clarifying Amendments to the Home Mortgage Disclosure (Regulation C) October 2015 Final Rule
The Bureau of Consumer Financial Protection (Bureau) proposes amendments to Regulation C to make technical corrections to and to clarify certain requirements adopted by the Bureau’s Home Mortgage Disclosure (Regulation C) final rule ( 2015 HMDA Final Rule or the Final Rule), which was published in the Federal Register on October 28, 2015. The Bureau also proposes a new reporting exclusion.
The Bureau proposes amendments to the procedures used by the public to obtain information from the Bureau under the Freedom of Information Act, the Privacy Act of 1974, and in legal proceedings. The Bureau also proposes amendments to its rule regarding the confidential treatment of Bureau information.
The Consumer Financial Protection Bureau (the Bureau) is seeking comment, data, and information from the public about debt collection practices.