Final rules

Technical corrections amending certain provisions of the Bureau's mortgage servicing regulations under Regulation X (RESPA) and Regulation Z (TILA).

Prepaid Accounts Under the Electronic Fund Transfer Act (Regulation E) and the Truth in Lending Act (Regulation Z); Delay of Effective Date.

Bureau of Consumer Financial Protection Bureau adopted the following updated policy on ex parte presentations in rulemaking proceedings.

Regulation E and Z amendments for prepaid accounts related to disclosures, limited liability and error resolution, periodic statements, etc.

Status of New URLA and Collection of Expanded HMDA Information about Ethnicity and Race in 2017 under Regulation B.

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 FDCPA for certain actions taken related to mortgage servicing rules under Regulation X (RESPA) and Regulation Z (TILA).

Finalization of Interim Final Rules (Subject to Any Intervening Amendments) Under Consumer Financial Protection Laws.

Procedural and technical amendments to Regulations J and L, which implement the Interstate Land Sales Full Disclosure Act (ILSA).

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

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.

Joint agency revisions to Regulation Z (TILA) regarding provisions requiring appraisals for “higher-risk mortgages".

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 revising the definitions of small creditor, and rural and underserved areas, for purposes of certain special provisions and exemptions.

The Bureau delayed the effective date of the TILA-RESPA Final Rule to October 3, 2015.

Amendments to the regulation defining larger participants regarding adding a new section to define larger participants for automobile financing.

Minimum Requirements for Appraisal Management Companies.

High-Cost Mortgage and Homeownership Counseling Amendments to TILA (Regulation Z) and Homeownership Counseling Amendments to RESPA (Regulation X).

The Bureau of Consumer Financial Protection (Bureau) is amending Regulation Z, which implements the Truth in Lending Act, and the official interpretation to that regulation, to temporarily suspend card issuers' obligations to submit credit card agreements to the Bureau for a period of one year (i.e., four quarterly submissions), in order to reduce burden while the Bureau works to develop a more streamlined and automated electronic submission system. Other requirements, including card issuers' obligations to post currently-offered agreements on their own Web sites, remain unaffected.

Final rule modifying the 2013 TILA-RESPA (TRID) Final Rule.

Amendments to Regulation X, RESPA regarding mortgage loan servicing.

Amendments to the 2013 mortgage rules issued by the Bureau related small servicer exemptions.

The Bureau of Consumer Financial Protection (Bureau) is amending Regulation P regarding annual disclosure of their privacy policies to their customers.

Amendments to the regulation defining larger participants regarding adding a new section to define larger participants for international money transfers.

The Bureau of Consumer Financial Protection (Bureau) is amending Regulation Z (TILA) regarding ability-to-repay (ATR) and qualified mortgages (QM).