Truth in Lending (Regulation Z) Threshold Adjustments
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.
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.
Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt
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.
Truth in Lending (Regulation Z); Consumer Protections for Home Sales Financed Under Contracts for Deed
The Truth in Lending Act generally applies to transactions in which a consumer purchases a home under a “contract for deed.”
Quality Control Standards for Automated Valuation Models
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 under the Equal Credit Opportunity Act (Regulation B); Extension of Compliance Dates
Small business lending rule extension of compliance dates
Consumer Reporting (Regulation V)
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.
Required Rulemaking on Personal Financial Data Rights; Industry Standard-Setting
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.
Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders
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.
Use of Digital User Accounts to Access Buy Now, Pay Later Loans
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.
Availability of Funds and Collection of Checks (Regulation CC) Threshold Adjustments
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.
Procedures for Supervisory Designation Proceedings
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.
Credit Card Penalty Fees Final Rule
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.
Supervisory appeals process
How does a supervised institution appeal a supervisory finding or rating?
Fair Credit Reporting; Background Screening
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.
Fair Credit Reporting; File Disclosure
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).
Fair Credit Reporting Act Disclosures
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.
Truth in Lending (Regulation Z) Annual Threshold Adjustments (Credit Cards, HOEPA, and Qualified Mortgages)
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.
Facilitating the LIBOR Transition Consistent with the LIBOR Act (Regulation Z)
CFPB Issues Interim Final Rule and Requests Comments on Facilitating the LIBOR Transition Consistent with the LIBOR Act (Regulation Z).
Fair Debt Collection Practices Act (Regulation F); 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.
Fair Debt Collection Practices Act (Regulation F); 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.
Small Business Lending under the Equal Credit Opportunity Act (Regulation B)
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.
Agency Contact Information; Technical Corrections
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.
Notice of Availability of Revised Methodology for Determining Average Prime Offer Rates
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.
Rules of Practice for Adjudication Proceedings
The Bureau has issued this procedural rule to update its Rules of Practice for Adjudication Proceedings.
Real Estate Settlement Procedures Act (Regulation X); Digital Mortgage Comparison-Shopping Platforms and Related Payments to Operators
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.