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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Mortgage Servicing Rules Under the Real Estate Settlement Procedures Act (Regulation Z)

The Bureau is proposing to amend a provision in Regulation Z that it issued in 2016 relating to the timing for mortgage servicers to transition to providing modified or unmodified periodic statements and coupon books in connection with a consumer’s bankruptcy case.

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.