Final rules

The Bureau delayed the effective date of the TILA-RESPA Final Rule to October 3, 2015.

Amendments to the regulation defining larger participants regarding adding a new section to define larger participants for automobile financing.

Minimum Requirements for Appraisal Management Companies.

High-Cost Mortgage and Homeownership Counseling Amendments to TILA (Regulation Z) and Homeownership Counseling Amendments to RESPA (Regulation X).

The Bureau of Consumer Financial Protection (Bureau) is amending Regulation Z, which implements the Truth in Lending Act, and the official interpretation to that regulation, to temporarily suspend card issuers' obligations to submit credit card agreements to the Bureau for a period of one year (i.e., four quarterly submissions), in order to reduce burden while the Bureau works to develop a more streamlined and automated electronic submission system. Other requirements, including card issuers' obligations to post currently-offered agreements on their own Web sites, remain unaffected.

Final rule modifying the 2013 TILA-RESPA (TRID) Final Rule.

Amendments to Regulation X, RESPA regarding mortgage loan servicing.

Amendments to the 2013 mortgage rules issued by the Bureau related small servicer exemptions.

The Bureau of Consumer Financial Protection (Bureau) is amending Regulation P regarding annual disclosure of their privacy policies to their customers.

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

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

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

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

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

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).

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

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

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

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

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

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

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

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

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.

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