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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Protections for Borrowers Affected by the COVID-19 Emergency Under the Real Estate Settlement Procedures Act (RESPA), Regulation X

The Bureau of Consumer Financial Protection (Bureau) is issuing this final rule to amend Regulation X to assist mortgage borrowers affected by the COVID-19 emergency.

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 |

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 |

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).