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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Supplemental Standards of Ethical Conduct for Employees of the Bureau of Consumer Financial Protection

The Bureau of Consumer Financial Protection, with the concurrence of the Office of Government Ethics, is issuing this notice of proposed rulemaking for employees of the Bureau.  This proposal would amend the existing Supplemental Standards of Ethical Conduct for Employees of the Bureau of Consumer Financial Protection.

Amendments to Federal Mortgage Disclosure Requirements under the Truth in Lending Act (Regulation Z)

The Bureau of Consumer Financial Protection (Bureau) is proposing various amendments to Federal mortgage disclosure requirements under the Real Estate Settlement Procedures Act and the Truth in Lending Act that are implemented in Regulation Z.

Amendment to the Annual Privacy Notice Requirement Under the Gramm-Leach-Bliley Act (Regulation P)

The Bureau is proposing to amend Regulation P, which requires, among other things, that financial institutions provide an annual notice describing their privacy policies and practices to their customers.  The amendment would implement a December 2015 statutory amendment to the Gramm-Leach-Bliley Act providing an exception to this annual notice requirement for financial institutions that meet certain conditions.

Arbitration Agreements

The CFPB is proposing to establish regulations governing arbitration agreements in contracts for consumer financial products and services. First, the proposed rule would prohibit covered providers from using an arbitration agreement to bar the consumer from filing or participating in a class action. Second, the proposal would require a provider that is involved in an arbitration to submit specified arbitral records to the Bureau.

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.