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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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 regarding annual disclosure of their privacy policies to their customers.

Final rule

SEP 23, 2014

Defining Larger Participants of the International Money Transfer Market

Amendments to the regulation defining larger participants regarding adding a new section to define larger participants for international money transfers.

Final rule

JUL 17, 2014

Ability to Repay and Qualified Mortgage Standards Under the Truth in Lending Act (Regulation Z)

The Bureau of Consumer Financial Protection (Bureau) is amending Regulation Z (TILA) regarding ability-to-repay (ATR) and qualified mortgages (QM).

Final rule

JUL 17, 2014

Application of Regulation Z's Ability-To-Repay Rule to Certain Situations Involving Successors-in-Interest

Interpretive rule to clarify that the Bureau's Ability-to-Repay Rule incorporates the existing definition of “assumption” under Regulation Z.

Final rule

JUN 18, 2014

Rules of Practice for Issuance of Temporary Cease-and-Desist Orders

Rules of Practice for Issuance of Temporary Cease-and-Desist Orders.

Final rule

FEB 10, 2014

Equal Access to Justice Act Implementation Rule

On June 29, 2012, the Bureau of Consumer Financial Protection (Bureau) published an interim final rule implementing the Equal Access to Justice Act (EAJA).

Final rule

DEC 31, 2013

2013 Integrated Mortgage Disclosure Rule Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)

Rules and forms that combine certain disclosures that consumers receive when applying and closing on a mortgage loan under the TILA (Regulation Z) and RESPA (Regulation X).

Final rule

DEC 06, 2013

Defining Larger Participants of the Student Loan Servicing Market

Amendments to the regulation defining larger participants regarding adding a new section to define larger participants for student loan servicing.

Final rule

OCT 01, 2013

Amendments to the 2013 Mortgage Rules Under the Equal Credit Opportunity Act (Regulation B), Real Estate Settlement Procedures Act (Regulation X), and the Truth in Lending Act (Regulation Z)

This final rule amends some of the final mortgage rules issued by the Bureau of Consumer Financial Protection (Bureau) in January 2013.

Final rule

AUG 05, 2013

Claims Under the Federal Tort Claims Act for Loss of or Damage to Property or for Personal Injury or Death

The Bureau of Consumer Financial Protection is adopting a procedural rule related to the Federal Tort Claims Act.

Final rule

JUL 30, 2013

Amendments to the 2013 Mortgage Rules Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) relating to State law of Regulation X's servicing provisions

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

Final rule

JUL 11, 2013

Procedures for Bureau Debt Collection

This rule implements the Bureau of Consumer Financial Protection's debt collection regulations.

Final rule

JUL 03, 2013

Procedural Rule To Establish Supervisory Authority Over Certain Nonbank Covered Persons Based on Risk Determination

Procedural Rule To Establish Supervisory Authority Over Certain Nonbank Covered Persons Based on Risk Determination.

Final rule

JUN 12, 2013

Ability-to-Repay and Qualified Mortgage Standards Exemptions Under the Truth in Lending Act (Regulation Z)

The Bureau of Consumer Financial Protection (Bureau) is amending Regulation Z (TILA) regarding ability-to-repay (ATR) and qualified mortgages (QM).

Final rule

MAY 23, 2013

Escrow Requirements under the Truth in Lending Act (Regulation Z)

Final rule amending Regulation Z (TILA) requirements related to escrow accounts.

Final rule

MAY 07, 2013

Consumer Financial Civil Penalty Fund Rule

Civil Penalty Fund into which the Bureau must deposit any civil penalty it obtains in any judicial or administrative action under Federal consumer financial laws.

Final rule

MAY 03, 2013

Amendment relating to consumer ability to repay; Truth in Lending Act (Regulation Z)

Amendments to Regulation Z (TILA) regarding limits to the total amount of fees that a credit card issuer may require a consumer to pay.

Final rule

MAR 28, 2013

Amendment relating to credit limits; Truth in Lending (Regulation Z)

Amendments to Regulation Z (TILA) regarding limits to the total amount of fees that a credit card issuer may require a consumer to pay.

Final rule

MAR 26, 2013

Disclosures at Automated Teller Machines (Regulation E)

Amendments to Regulation E (EFTA) regarding requirements for ATM fee notices.

Final rule

FEB 15, 2013

Loan Originator Compensation Requirements under the Truth in Lending Act (Regulation Z)

Loan Originator Compensation Requirements under the Truth in Lending Act (Regulation Z).

Final rule

FEB 14, 2013

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

Final rule regarding initial rate adjustment notices for ARM mortgages, periodic statements for residential mortgage loans, crediting of mortgage payments, and requests for payoff amounts, etc.

Final rule

FEB 13, 2013

Disclosure of Records and Information

This final rule establishes procedures for the public to obtain information from the Bureau, under the Freedom of Information Act, the Privacy Act of 1974...