Final rules

CFPB Issues Required Rulemaking on Personal Financial Data Rights (CFPA section 1033).

This final rule increases the dollar threshold for exempt consumer leases under Regulation M from $61,000 to $66,400, effective January 1, 2023.

This final rule increases the dollar threshold exempting certain credit extensions from the special appraisal requirements for higher-priced mortgage loans from $28,500 to $31,000, effective January 1, 2023.

This final rule increases the dollar threshold for certain exempt consumer credit transactions under Regulation Z from $61,000 to $66,400, effective January 1, 2023.

The CFPB is issuing this advisory opinion to remind debt collectors of their obligation to comply with the Fair Debt Collection Practices Act and Regulation F’s prohibitions on false, deceptive, or misleading representations or means in connection with the collection of any medical debt and unfair or unconscionable means to collect or attempt to collect any medical debts.

The Truth in Lending Act generally applies to transactions in which a consumer purchases a home under a “contract for deed.”

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).

The Bureau is adjusting for inflation the maximum amount of each civil penalty within the Bureau’s jurisdiction.

The Consumer Financial Protection Bureau (Bureau) is issuing a final rule amending the official commentary that interprets the requirements of the Bureau's Regulation C (Home Mortgage Disclosure) to reflect the asset-size exemption threshold for banks, savings associations, and credit unions based on the annual percentage change in the average of the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).

This rule amends Regulation Z (Truth in Lending) to implement certain amendments to the Truth in Lending Act made by the Dodd-Frank Act. This rule amends the official commentary that interprets the requirements of the Bureau’s Regulation Z (Truth in Lending) to reflect changes in the asset-size thresholds for certain creditors to qualify for an exemption to the requirement to establish an escrow account for a higher-priced mortgage loan.

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.