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).
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.
Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold
This rule amends Regulation Z (Truth in Lending) to implement certain amendments to the Truth in Lending Act made by the Dodd-Frank Act. This rule amends the official commentary that interprets the requirements of the Bureau’s Regulation Z (Truth in Lending) to reflect changes in the asset-size thresholds for certain creditors to qualify for an exemption to the requirement to establish an escrow account for a higher-priced mortgage loan.
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.
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.
Treatment of Certain COVID-19 Related Loss Mitigation Options Under the Real Estate Settlement Procedures Act (RESPA), Regulation X; Interim Final Rule
This interim final rule provides a regulatory exception for certain programs that allow borrowers to defer repayment of forborne or delinquent amounts that accrued due to the COVID-19 emergency.
Federal Mortgage Disclosure Requirements under the Truth in Lending Act (Regulation Z)
The Bureau is amending Federal mortgage disclosure requirements under RESPA and TILA that are implemented in Regulation Z.
Mortgage Servicing Rules Under the Truth in Lending Act (Regulation Z)
Amendments to certain Regulation Z mortgage servicing rules issued in 2016 relating to periodic statements.
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.
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).
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).
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).
Operations in Rural Areas Under the Truth in Lending Act (Regulation Z)
Operations in Rural Areas Under the Truth in Lending Act (Regulation Z).
Application Process for Designation of Rural Area under Federal Consumer Financial Law; Procedural Rule
Procedural rule establishing an application process under which a person may identify an area that has not been designated by the Bureau as a rural area.
Mortgage Servicing Rules Under the Real Estate Settlement Procedures Act (Regulation X)
Amendments to Regulation X, RESPA regarding mortgage loan servicing.
Amendments to the 2013 Mortgage Rules Under the Truth in Lending Act (Regulation Z); Small servicer definition
Amendments to the 2013 mortgage rules issued by the Bureau related small servicer exemptions.
Application of Regulation Z's Ability-To-Repay Rule to Certain Situations Involving Successors-in-Interest
Interpretive rule to clarify that the Bureau's Ability-to-Repay Rule incorporates the existing definition of “assumption” under Regulation Z.
Amendments to the 2013 Mortgage Rules Under the Equal Credit Opportunity Act (Regulation B), Real Estate Settlement Procedures Act (Regulation X), and the Truth in Lending Act (Regulation Z)
This final rule amends some of the final mortgage rules issued by the Bureau of Consumer Financial Protection (Bureau) in January 2013.
Loan Originator Compensation Requirements under the Truth in Lending Act (Regulation Z)
Loan Originator Compensation Requirements under the Truth in Lending Act (Regulation Z).
Mortgage Servicing Rules Under the Truth in Lending Act (Regulation Z)
Final rule regarding initial rate adjustment notices for ARM mortgages, periodic statements for residential mortgage loans, crediting of mortgage payments, and requests for payoff amounts, etc.
Mortgage Servicing Rules Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)
The Bureau’s Mortgage Servicing Final Rules amend Regulations X and Z.