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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

Proposed Rule

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.

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22 filtered results
Category: Proposed rule |

Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z): Seasoned QM Loan Definition

The Bureau of Consumer Financial Protection is proposing to create a new category of QMs (Seasoned QMs) for first-lien, fixed-rate covered transactions that have met certain performance requirements over a 36-month seasoning period, are held in portfolio until the end of the seasoning period, comply with general restrictions on product features and points and fees, and meet certain underwriting requirements.

Category: Proposed rule |

Home Mortgage Disclosure (Regulation C)

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.

Category: Advance notice of proposed rulemaking |

Advance Notice of Proposed Rulemaking on Residential Property Assessed Clean Energy Financing

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.

Category: Proposed rule |

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.  

Category: Proposed rule |

Consumer Financial Civil Penalty Fund

This proposal is related to a final rule published elsewhere in today's Federal Register. That final rule implements the statutory Civil Penalty Fund provisions by articulating the Bureau's interpretation of what kinds of payments to victims are appropriate and by establishing procedures for allocating funds for such payments to victims and for consumer education and financial literacy programs. This notice of proposed rulemaking seeks comments on possible revisions, adjustments, or refinements to the rule.

Category: Proposed rule |

Ability To Repay Standards Under the Truth in Lending Act (Regulation Z)

The Bureau is proposing certain amendments to the final rule implementing these requirements, including exemptions for certain nonprofit creditors and certain homeownership stabilization programs and an additional definition of a qualified mortgage for certain loans made and held in portfolio by small creditors.