TILA Higher Priced Mortgage Loan Escrow Rule
This rule amends Regulation Z (Truth in Lending) to implement certain amendments to the Truth in Lending Act made by the Dodd-Frank Act.
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.
Ability-to-Repay/Qualified Mortgage Rule
This rule requires a creditor to make a reasonable, good faith determination of a consumer’s ability to repay a residential mortgage loan according to its terms.
Treatment of Certain COVID-19 Related Loss Mitigation Options Under the Real Estate Settlement Procedures Act (RESPA), Regulation X; Interim Final Rule
This interim final rule provides a regulatory exception for certain programs that allow borrowers to defer repayment of forborne or delinquent amounts that accrued due to the COVID-19 emergency.
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.
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.
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.
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).
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.
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.
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.
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.
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.
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.
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).
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).
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.