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.

Amendments to Rules Concerning Prepaid Accounts Under the Electronic Fund Transfer Act (Regulation E) and the Truth in Lending Act (Regulation Z)

The Bureau is proposing to amend its rules governing prepaid accounts under Regulation E, which implements the Electronic Fund Transfer Act, and Regulation Z, which implements the Truth in Lending Act.  This proposal requests comment on potential modifications to several aspects of that 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.