Final rules

Advisory opinion affirming that the Fair Debt Collection Practices Act (FDCPA) and its implementing Regulation F prohibit a debt collector, as that term is defined in the statute and regulation, from suing or threatening to sue to collect a time-barred debt.

Advisory opinion affirming that the Fair Debt Collection Practices Act (FDCPA) and its implementing Regulation F prohibit a debt collector, as that term is defined in the statute and regulation, from suing or threatening to sue to collect a time-barred debt.

The CFPB is issuing this final rule to implement section 1071 of the Dodd-Frank Act, governing small business lending under ECOA and Regulation B.

The Consumer Financial Protection Bureau is issuing this final rule to make non-substantive corrections and updates to Bureau and other Federal agency contact information found at certain locations in Regulations B, E, F, J, V, X, Z, and DD, including Federal agency contact information that must be provided with Equal Credit Opportunity Act adverse action notices and the Fair Credit Reporting Act Summary of Consumer Rights.

The Consumer Financial Protection Bureau (Bureau) is issuing a final rule amending the official commentary that interprets the requirements of the Bureau's Regulation C (Home Mortgage Disclosure) to reflect the asset-size exemption threshold for banks, savings associations, and credit unions based on the annual percentage change in the average of the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).

The Federal Civil Penalties Inflation Adjustment Act of 1990, as amended by the Debt Collection Improvement Act of 1996 and further amended by the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015 (Inflation Adjustment Act, directs Federal agencies to adjust for inflation the civil penalty amounts within their jurisdiction not later than July 1, 2016, and then not later than January 15 every year thereafter.

This rule amends Regulation Z (Truth in Lending) to implement certain amendments to the Truth in Lending Act made by the Dodd-Frank Act. This rule amends the official commentary that interprets the requirements of the Bureau’s Regulation Z (Truth in Lending) to reflect changes in the asset-size thresholds for certain creditors to qualify for an exemption to the requirement to establish an escrow account for a higher-priced mortgage loan.

This final rule revises, as applicable, dollar amounts for provisions implementing TILA and amendments to TILA. The Bureau is adjusting these amounts, where appropriate, based on the annual percentage change reflected in the Consumer Price Index (CPI) in effect on June 1, 2022.

This technical amendment updates the Code of Federal Regulations to reflect the closed-end mortgage loan reporting threshold of 25 mortgage loans in each of the two preceding calendar years

This final rule amends an appendix for Regulation V, which implements the Fair Credit Reporting Act (FCRA). The Bureau is required to calculate annually the dollar amount of the maximum allowable charge for disclosures by a consumer reporting agency to a consumer pursuant to FCRA section 609; this final rule establishes the maximum allowable charge for the 2022 calendar year.

The CFPB finalized changes to its procedural rule related to nonbank supervision based on a risk determination.

This final rule increases the dollar threshold for exempt consumer leases under Regulation M from $61,000 to $66,400, effective January 1, 2023.

This final rule increases the dollar threshold exempting certain credit extensions from the special appraisal requirements for higher-priced mortgage loans from $28,500 to $31,000, effective January 1, 2023.

This final rule increases the dollar threshold for certain exempt consumer credit transactions under Regulation Z from $61,000 to $66,400, effective January 1, 2023.

The Consumer Financial Protection Bureau (CFPB) is issuing this interpretive rule to address digital marketing providers that commingle the targeting and delivery of advertisements to consumers, such as by using algorithmic models or other analytics, with the provision of advertising “time or space.” Digital marketing providers that are materially involved in the development of content strategy would not fall within the “time or space” exception as interpreted by the Bureau.

The Consumer Financial Protection Bureau (Bureau or CFPB) is amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), to address recent legislation that assists consumers who are victims of trafficking.

This interpretive rule describes states’ authorities to pursue companies and individuals that violate the provisions of federal consumer financial protection law.

The CFPB is adding a mechanism to make certain final decisions and orders regarding its supervisory authority public.

The Bureau of Consumer Financial Protection (Bureau) is amending Regulation Z, which implements the Truth in Lending Act (TILA), generally to address the anticipated sunset of LIBOR, which is expected to be discontinued for most U.S. Dollar (USD) tenors in June 2023.

The Bureau is withdrawing a proposal to delay the effective date of the Debt Collection Final Rules. The Debt Collection final rules will take effect on November 30, 2021.

This final rule makes limited revisions to the Bureau’s regulations that establish the procedures used to obtain records from the Bureau under the Privacy Act.

The Bureau is issuing technical specifications for credit card agreement and data submissions required under TILA and the CARD Act.

This interpretive rule clarifies certain Regulation Z timing requirements in light of legislation that designated “Juneteenth National Independence Day, June 19” (Juneteenth) as a legal public holiday.

The Bureau of Consumer Financial Protection (Bureau) is issuing this final rule to amend Regulation X to assist mortgage borrowers affected by the COVID-19 emergency.

The CFPB has authority to conduct supervisory examinations regarding the risks to consumers from conduct that violates the Military Lending Act.