Final rules

Small business lending rule extension of compliance dates 2025

The Bureau is adjusting for inflation the maximum amount of each civil penalty within the Bureau’s jurisdiction.

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 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. These changes reflect updates to, together with affiliates that regularly extended covered transactions secured by first liens, had total assets of less than $2 billion (adjusted annually for inflation) and the exemption the Bureau added, by implementing section 108 of the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA), for certain insured depository institutions and insured credit unions with assets of $10 billion or less (adjusted annually for inflation). These amendments are based on the annual percentage change in the average of the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).

In this final rule, the CFPB amends Regulation Z to address how the Truth in Lending Act applies to Property Assessed Clean Energy (PACE) transactions.

The CFPB is issuing this final rule to allow consumers to better comparison shop across credit products and provide substantive protections that apply to other consumer credit.

Final rule to establish CFPB authority to supervise and examine larger participants of a market for general-use digital consumer payment applications (funds transfer apps and digital payment wallets.)

CFPB Issues Required Rulemaking on Personal Financial Data Rights (CFPA section 1033).

This final rule increases the dollar threshold for exempt consumer leases under Regulation M from $61,000 to $66,400, effective January 1, 2023.

This final rule increases the dollar threshold exempting certain credit extensions from the special appraisal requirements for higher-priced mortgage loans from $28,500 to $31,000, effective January 1, 2023.

This final rule increases the dollar threshold for certain exempt consumer credit transactions under Regulation Z from $61,000 to $66,400, effective January 1, 2023.

Small business lending rule extension of compliance dates

Compilation of rules revising Regulation V, 12 CFR part 1022, which implements the Fair Credit Reporting Act (FCRA), to prescribe Federal rules governing the activities of consumer reporting agencies and furnishers of consumer reporting information, as those terms are defined in the FCRA.

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.

Requires certain nonbank covered persons subject to certain final public orders to report them to a registry and requires certain supervised nonbanks to report annually regarding compliance with registered orders.

The Board of Governors of the Federal Reserve System and the CFPB are amending Regulation CC, which implements the Expedited Funds Availability Act, to adjust for inflation dollar amounts relating to availability of funds.

The CFPB is issuing this final rule to implement section 1071 of the Dodd-Frank Act, governing small business lending under ECOA and Regulation B.

The Consumer Financial Protection Bureau (Bureau or CFPB) is amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), to address recent legislation that assists consumers who are victims of trafficking.

This interpretive rule describes states’ authorities to pursue companies and individuals that violate the provisions of federal consumer financial protection law.

The Bureau is withdrawing a proposal to delay the effective date of the Debt Collection Final Rules. The Debt Collection final rules will take effect on November 30, 2021.

This interpretive rule clarifies certain Regulation Z timing requirements in light of legislation that designated “Juneteenth National Independence Day, June 19” (Juneteenth) as a legal public holiday.

This final rule delays the General QM Final Rule’s mandatory compliance date to October 1, 2022.

This interim final rule requires debt collectors to provide written notice to certain consumers of their protections under the CDC Order’s eviction moratorium and to clarify that certain misrepresentations are prohibited.

The Consumer Financial Protection Bureau is adopting a final rule that codifies the Interagency Statement Clarifying the Role of Supervisory Guidance.

This rule amends Regulation F, which implements the Fair Debt Collection Practices Act (FDCPA), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA.