The CFPB is issuing this advisory opinion to affirm that the Equal Credit Opportunity Act and Regulation B protect not only those actively seeking credit but also those who sought and have received credit.
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
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.
The Bureau of Consumer Financial Protection (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 final rule announces the increase in the exemption threshold from $27,200 to $28,500, effective January 1, 2022.
The Board of Governors of the Federal Reserve System and the Consumer Financial Protection Bureau are amending Regulation CC, which implements the Expedited Funds Availability Act, to adjust dollar amounts to inflation and to extend coverage to American Samoa, the Commonwealth of the Northern Mariana Islands, and Guam.
Pursuant to section 1028(b) of the Dodd-Frank Act, the Bureau issued a final rule establishing 12 CFR part 1040 to regulate arbitration agreements in contracts for specified consumer financial product and services.
The final rule also implements the minimum requirements in the Dodd-Frank Act for AMCs that are subsidiaries owned and controlled by an insured depository institution and regulated by a Federal financial institutions regulatory agency (Federally regulated AMCs).
2013 Integrated Mortgage Disclosures Rule Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)
In 2013, the Consumer Financial Protection Bureau (Bureau) issued the “Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)” final rule (TILA-RESPA Final Rule).
Pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) and the Fair Credit Reporting Act (FCRA), as amended, the Bureau of Consumer Financial Protection (Bureau) published for public comment an interim final rule establishing a new Regulation V (Fair Credit Reporting) on December 21, 2011.