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 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.
Final Redesigned Uniform Residential Loan Application Status under Regulation B
The Bureau is publishing a Federal Register notice pursuant to section 706(e) of the ECOA concerning the update of the redesigned URLA.
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.
Mortgage Servicing Rules Under the Real Estate Settlement Procedures Act (Regulation X)
Regulation X interim final rule relating to the timing for mortgage servicers to provide modified written early intervention notices.
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.
Amendments to Filing Requirements Under the Interstate Land Sales Full Disclosure Act (Regulations J and L)
Procedural and technical amendments to Regulations J and L, which implement the Interstate Land Sales Full Disclosure Act (ILSA).
Operations in Rural Areas Under the Truth in Lending Act (Regulation Z)
Operations in Rural Areas Under the Truth in Lending Act (Regulation Z).
Application Process for Designation of Rural Area under Federal Consumer Financial Law; Procedural Rule
Procedural rule establishing an application process under which a person may identify an area that has not been designated by the Bureau as a rural area.
Appraisals for Higher-Priced Mortgage Loans
Joint agency revisions to Regulation Z (TILA) regarding provisions requiring appraisals for “higher-risk mortgages".
Home Mortgage Disclosure Act (Regulation C)
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.
Amendments Relating to Small Creditors and Rural or Underserved Areas Under the Truth in Lending Act (Regulation Z)
Final rule revising the definitions of small creditor, and rural and underserved areas, for purposes of certain special provisions and exemptions.
2013 Integrated Mortgage Disclosures Rule Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) and Amendments; Delay of Effective Date
The Bureau delayed the effective date of the TILA-RESPA Final Rule to October 3, 2015.
Defining Larger Participants of the Automobile Financing Market and Defining Certain Automobile Leasing Activity as a Financial Product or Service
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
Minimum Requirements for Appraisal Management Companies.