Final rules

The final rule implements quality control standards for the use of automated valuation models by mortgage originators and secondary market issuers in determining the collateral worth of a mortgage secured by a consumer’s principal dwelling.

Small business lending rule extension of compliance dates

Compilation of rules revising Regulation V, 12 CFR part 1022, which implements the Fair Credit Reporting Act (FCRA), to prescribe Federal rules governing the activities of consumer reporting agencies and furnishers of consumer reporting information, as those terms are defined in the FCRA.

The Consumer Financial Protection Bureau (CFPB) is finalizing in part its proposed rule on consumer data rights under section 1033 of the Consumer Financial Protection Act.

Requires certain nonbank covered persons subject to certain final public orders to report them to a registry and requires certain supervised nonbanks to report annually regarding compliance with registered orders.

The CFPB is issuing this interpretive rule to clarify that lenders clarifies that these lenders are “card issuers” for purposes of Regulation Z because the term “credit card” encompasses digital user accounts that consumers use to access Buy Now, Pay Later (BNPL) credit.

The Board of Governors of the Federal Reserve System and the CFPB are amending Regulation CC, which implements the Expedited Funds Availability Act, to adjust for inflation dollar amounts relating to availability of funds.

The CFPB is updating the CFPB’s procedures for designating nonbank covered persons for supervision, to conform to a recent organizational change and to further ensure that proceedings are fair, effective, and efficient for all parties.

Adopts late fee safe harbor threshold of $8 for Larger Card Issuers and provides annual adjustments to reflect changes in the CPI do not apply to this $8 amount.

How does a supervised institution appeal a supervisory finding or rating?

The Consumer Financial Protection Bureau is issuing this advisory opinion to address certain obligations that background screening companies have under the Fair Credit Reporting Act.

The Bureau is issuing this advisory opinion to address certain obligations that consumer reporting agencies have under section 609(a) of the Fair Credit Reporting Act (FCRA).

This final rule amends an appendix for Regulation V, which implements the Fair Credit Reporting Act (FCRA). The Bureau is required to calculate annually the dollar amount of the maximum allowable charge for disclosures by a consumer reporting agency to a consumer pursuant to FCRA section 609.

This final rule revises, as applicable, dollar amounts for provisions implementing TILA and amendments to TILA. The Bureau is adjusting these amounts, where appropriate, based on the annual percentage change reflected in the Consumer Price Index (CPI) in effect on June 1, 2023.

CFPB Issues Interim Final Rule and Requests Comments on Facilitating the LIBOR Transition Consistent with the LIBOR Act (Regulation Z).

Advisory opinion affirming that the Fair Debt Collection Practices Act (FDCPA) and its implementing Regulation F prohibit a debt collector, as that term is defined in the statute and regulation, from suing or threatening to sue to collect a time-barred debt.

Advisory opinion affirming that the Fair Debt Collection Practices Act (FDCPA) and its implementing Regulation F prohibit a debt collector, as that term is defined in the statute and regulation, from suing or threatening to sue to collect a time-barred debt.

The CFPB is issuing this final rule to implement section 1071 of the Dodd-Frank Act, governing small business lending under ECOA and Regulation B.

The Consumer Financial Protection Bureau is issuing this final rule to make non-substantive corrections and updates to Bureau and other Federal agency contact information found at certain locations.

The Consumer Financial Protection Bureau (CFPB) announces the availability of a revised version of its “Methodology for Determining Average Prime Offer Rates,” which describes the data and methodology used to calculate the average prime offer rate (APOR) for purposes of Regulation C and Regulation Z.

The Bureau has issued this procedural rule to update its Rules of Practice for Adjudication Proceedings.

The Consumer Financial Protection Bureau (CFPB) is issuing this Advisory Opinion to address the applicability of the Real Estate Settlement Procedures Act (RESPA) section 8 to operators of certain digital mortgage comparison-shopping platforms.

This technical amendment updates the Code of Federal Regulations to reflect the closed-end mortgage loan reporting threshold of 25 mortgage loans in each of the two preceding calendar years.

The CFPB finalized changes to its procedural rule related to nonbank supervision based on a risk determination.

The Consumer Financial Protection Bureau (CFPB) is issuing this advisory opinion to highlight that a consumer reporting agency that does not implement reasonable internal controls to prevent the inclusion of facially false data, including logically inconsistent information, in consumer reports it prepares is not using reasonable procedures to assure maximum possible accuracy under section 607(b) of the Fair Credit Reporting Act (FCRA).