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.

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Truth in Lending (Regulation Z); Determining “Underserved” Areas Using Home Mortgage Disclosure Act Data

The Bureau is issuing this interpretive rule to provide guidance about the way in which it determines which counties qualify as underserved for a given calendar year.

Final rule

APR 29, 2020

Application of Certain Provisions in the TILA-RESPA Integrated Disclosure Rule and Regulation Z Right of Rescission Rules in Light of the COVID-19 Pandemic

The Bureau of Consumer Financial Protection (Bureau) is issuing this interpretive rule to provide guidance to creditors and other covered persons involved in the mortgage origination process in light of the COVID-19 pandemic.

Final rule

APR 16, 2020

Home Mortgage Disclosure (Regulation C)

The final rule adjusts Regulation C’s institutional and transactional coverage thresholds for closed-end mortgage loans and open-end lines of credit.

Final rule

OCT 31, 2019

Regulation Z (Truth in Lending); Screening and Training Requirements for Loan Originators

This interpretive rule construes Regulation Z, which implements the Truth in Lending Act (TILA).

Final rule

OCT 10, 2019

Home Mortgage Disclosure (Regulation C) – 2019 Final Rule

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.

Final rule

AUG 31, 2018

Partial Exemptions from the Requirements of the Home Mortgage Disclosure Act under the Economic Growth, Regulatory Relief, and Consumer Protection Act (Regulation C)

The Bureau is issuing an interpretive and procedural rule to implement and clarify the requirements of section 104(a) of the Economic Growth, Regulatory Relief, and Consumer Protection Act, which amended certain provisions of the Home Mortgage Disclosure Act.

Final rule

APR 26, 2018

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.

Final rule

MAR 08, 2018

Mortgage Servicing Rules Under the Truth in Lending Act (Regulation Z)

Amendments to certain Regulation Z mortgage servicing rules issued in 2016 relating to periodic statements.

OCT 31, 2017

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.

Interim final rule

OCT 04, 2017

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.

Final rule

SEP 20, 2017

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.

Final rule

JUL 07, 2017

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.

Final rule

JUN 27, 2017

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).

Final rule

SEP 23, 2016

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.

Final rule

AUG 04, 2016

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).

Final rule

AUG 04, 2016

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).

Interim final rule

MAR 25, 2016

Operations in Rural Areas Under the Truth in Lending Act (Regulation Z)

Operations in Rural Areas Under the Truth in Lending Act (Regulation Z).

Final rule

MAR 03, 2016

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.