Final rules

The Consumer Financial Protection Bureau (CFPB) announces the availability of a revised version of its “Methodology for Determining Average Prime Offer Rates,” which describes the data and methodology used to calculate the average prime offer rate (APOR) for purposes of Regulation C and Regulation Z.

The Consumer Financial Protection Bureau (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 technical amendment updates the Code of Federal Regulations to reflect the closed-end mortgage loan reporting threshold of 25 mortgage loans in each of the two preceding calendar years.

The final rule adjusts Regulation C’s institutional and transactional coverage thresholds for closed-end mortgage loans and open-end lines of credit.

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.

The Bureau is issuing an interpretive and procedural rule to implement and clarify the requirements of section 104(a) of the Economic Growth, Regulatory Relief, and Consumer Protection Act, which amended certain provisions of the Home Mortgage Disclosure Act.

The Bureau is publishing a Federal Register notice pursuant to section 706(e) of the ECOA concerning the update of the redesigned URLA.

Amendments to Regulation B (ECOA) to permit flexibility in complying with Regulation C (HMDA) regarding the collection and retention of applicant ethnicity, sex, and race.

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

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

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.

Amendments to Regulation X, RESPA regarding mortgage loan servicing.

The Bureau’s Mortgage Servicing Final Rules amend Regulations X and Z.

Delayed implementation of certain Regulation Z (Truth in Lending) mortgage disclosure requirements that would otherwise take effect on January 21, 2013.