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 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.
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).
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.
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.
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.
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...
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
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).
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.
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.
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.
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.
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).
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).
Finalization of Interim Final Rules (Subject to Any Intervening Amendments) Under Consumer Financial Protection Laws
Finalization of Interim Final Rules (Subject to Any Intervening Amendments) Under Consumer Financial Protection Laws.
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