Final rules

Rules listed here are final rules issued by the CFPB. To identify all the rules related to a single consumer financial product, use the filter tool below.

Types of final rules

Final Rule

Other than interim final rules, this includes all CFPB final rules, including procedural and interpretive rules. Generally, final rules go through notice and comment before issuance.

Interim Final Rule

Under some circumstances, the CFPB may issue final rules without a comment period before issuance. The CFPB may request comment on these rules and may later alter the rules, if necessary.

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Treatment of Pandemic Relief Payments Under Regulation E and Application of the Compulsory Use Prohibition

The Bureau is issuing this interpretive rule to provide guidance to government agencies distributing aid to consumers in response to the COVID-19 pandemic.

Final rule

FEB 27, 2020

Policy Statement on Compliance Aids

Policy statement to announce a new Bureau guidance designation, known as “Compliance Aids,” and to explain the legal status of that guidance designation.

Final rule

OCT 31, 2019

Regulation Z (Truth in Lending); Screening and Training Requirements for Loan Originators

This interpretive rule construes Regulation Z, which implements the Truth in Lending Act (TILA).

Final rule

OCT 10, 2019

Home Mortgage Disclosure (Regulation C) – 2019 Final Rule

The Bureau is amending Regulation C to extend to January 1, 2022 the threshold of 500 open-end lines of credit for reporting data about open-end lines of credit and to incorporate into Regulation C the partial exemptions created by the Economic Growth, Regulatory Relief, and Consumer Protection Act.

Final rule

JUN 24, 2019

Availability of Funds and Collection of Checks (Regulation CC)

The Board of Governors of the Federal Reserve System and the Consumer Financial Protection Bureau are amending Regulation CC, which implements the Expedited Funds Availability Act, to adjust dollar amounts to inflation and to extend coverage to American Samoa, the Commonwealth of the Northern Mariana Islands, and Guam.

Final rule

JUN 06, 2019

Payday, Vehicle Title, and Certain High-Cost Installment Loans; Delay of Compliance Date; Correcting Amendments

The Bureau has issued this final rule to delay the August 19, 2019 compliance date for the mandatory underwriting provisions of the regulation promulgated by the Bureau in November 2017 governing Payday, Vehicle Title, and Certain High-Cost Installment Loans.

Final rule

FEB 22, 2019

Technical Specifications for Submissions to the Prepaid Account Agreements Database

The Bureau is issuing technical specifications for submissions of prepaid account agreements, as required by the Bureau's 2016 final rule regarding prepaid...

Final rule

SEP 12, 2018

Disclosure of Records and Information

This final rule amends the procedures used to obtain information from the Bureau under the FOIA, the Privacy Act of 1974, and in legal proceedings.

Final rule

AUG 31, 2018

Partial Exemptions from the Requirements of the Home Mortgage Disclosure Act under the Economic Growth, Regulatory Relief, and Consumer Protection Act (Regulation C)

The Bureau is issuing an interpretive and procedural rule to implement and clarify the requirements of section 104(a) of the Economic Growth, Regulatory Relief, and Consumer Protection Act, which amended certain provisions of the Home Mortgage Disclosure Act.

Final rule

AUG 10, 2018

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

The Bureau of Consumer Financial Protection (Bureau) is amending Regulation P to implement a December 2015 statutory amendment to the Gramm-Leach-Bliley Act providing an exception to the annual notice requirement, for financial institutions that meet certain conditions.

Final rule

APR 26, 2018

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

The Bureau is amending Federal mortgage disclosure requirements under RESPA and TILA that are implemented in Regulation Z.

Final rule

MAR 08, 2018

Mortgage Servicing Rules Under the Truth in Lending Act (Regulation Z)

Amendments to certain Regulation Z mortgage servicing rules issued in 2016 relating to periodic statements.

Final rule

JAN 25, 2018

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

The Bureau is finalizing amendments to its rule governing prepaid accounts under Regulations E and Z.

Final rule

OCT 05, 2017

Payday, Vehicle Title, and Certain High-Cost Installment Loans

Final rule creating consumer protections for payday loans, and for certain vehicle title and high-cost installment loans.

Final rule

SEP 20, 2017

Amendments to Equal Credit Opportunity Act (Regulation B) Ethnicity and Race Information Collection

Amendments to Regulation B (ECOA) to permit flexibility in complying with Regulation C (HMDA) regarding the collection and retention of applicant ethnicity, sex, and race.

Final rule

AUG 02, 2017

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

The Bureau has issued this final rule to amend the Supplemental Standards of Ethical Conduct for Employees of the Consumer Financial Protection Bureau.

Final rule

JUL 10, 2017

Arbitration agreements

On Nov. 1, 2017, the President signed a joint resolution passed by Congress disapproving the Arbitration Agreements Rule under the Congressional Review Act (CRA).

Final rule

JUL 07, 2017

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

The Bureau is amending Federal mortgage disclosure requirements under RESPA and TILA that are implemented in Regulation Z.

Final rule

JUN 27, 2017

Amendments to the 2013 Mortgage Rules Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z); Correction

Technical corrections amending certain provisions of the Bureau's mortgage servicing regulations under Regulation X (RESPA) and Regulation Z (TILA).

Final rule

APR 20, 2017

Prepaid Accounts Under the Electronic Fund Transfer Act (Regulation E) and the Truth in Lending Act (Regulation Z); Delay of Effective Date

Prepaid Accounts Under the Electronic Fund Transfer Act (Regulation E) and the Truth in Lending Act (Regulation Z); Delay of Effective Date.

Final rule

APR 18, 2017

Policy on ex parte presentations in rulemaking proceedings

Bureau of Consumer Financial Protection Bureau adopted the following updated policy on ex parte presentations in rulemaking proceedings.

Final rule

OCT 05, 2016

Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)

Regulation E and Z amendments for prepaid accounts related to disclosures, limited liability and error resolution, periodic statements, etc.

Final rule

SEP 23, 2016

Status of New Uniform Residential Loan Application and Collection of Expanded Home Mortgage Disclosure Act Information about Ethnicity and Race in 2017 under Regulation B

Status of New URLA and Collection of Expanded HMDA Information about Ethnicity and Race in 2017 under Regulation B.

Final rule

AUG 04, 2016

Amendments to the 2013 Mortgage Rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)

Amendments to the 2013 mortgage servicing rules issued by the Bureau related to Regulation Z (TILA) and Regulation X (RESPA).

Final rule

AUG 04, 2016

Safe Harbors from Liability under the Fair Debt Collection Practices Act for Certain Actions Taken in Compliance with Mortgage Servicing Rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)

Safe harbors from liability under FDCPA for certain actions taken related to mortgage servicing rules under Regulation X (RESPA) and Regulation Z (TILA).

Page last modified Apr. 12, 2021 @ 01:32 PM EDT