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.
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.
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 this final rule to amend Regulation X to assist mortgage borrowers affected by the COVID-19 emergency.
The Bureau issued an interim final rule amending a provision in Regulation X that it issued in 2016 relating to the timing for mortgage servicers to provide modified written early intervention notices to borrowers who have invoked their cease communication rights under the Fair Debt Collection Practices Act.
The Bureau is making several technical corrections to a final rule it issued on Aug. 4, 2016 amending certain of the Bureau’s mortgage servicing regulations under Regulation X (implementing the Real Estate Settlement Procedures Act) and Regulation Z (implementing the Truth In Lending Act) (2016 Final Rule).
The Bureau is amending several mortgage servicing rules under Regulations X and Z, including provisions regarding loss mitigation, early intervention, and periodic statements. The final rule also addresses successors in interest, debtors in bankruptcy, and borrowers who send a cease communication request under the Fair Debt Collection Practices Act.
The Bureau is issuing this interpretive rule to clarify the interaction of the FDCPA and certain mortgage servicing rules in Regulations X and Z. It provides safe harbors from FDCPA liability for servicers under certain circumstances.
