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.
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.
Required Rulemaking on Personal Financial Data Rights
CFPB Issues Required Rulemaking on Personal Financial Data Rights (CFPA section 1033).
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.
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.
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).
Facilitating the LIBOR Transition (Regulation Z)
The Bureau of Consumer Financial Protection (Bureau) is amending Regulation Z, which implements the Truth in Lending Act (TILA), generally to address the anticipated sunset of LIBOR, which is expected to be discontinued for most U.S. Dollar (USD) tenors in June 2023.
Technical Specifications for Credit Card Agreement and Data Submissions Required under TILA and the CARD Act (Regulation Z)
The Bureau is issuing technical specifications for credit card agreement and data submissions required under TILA and the CARD Act.
Submission of Credit Card Agreements Under the Truth in Lending Act (Regulation Z)
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.
Amendment relating to consumer ability to repay; Truth in Lending Act (Regulation Z)
Amendments to Regulation Z (TILA) regarding limits to the total amount of fees that a credit card issuer may require a consumer to pay.
Amendment relating to credit limits; Truth in Lending (Regulation Z)
Amendments to Regulation Z (TILA) regarding limits to the total amount of fees that a credit card issuer may require a consumer to pay.