Archive of closed notices

In this notice, the Bureau proposes certain amendments to the General QM loan definition in Regulation Z.

The Bureau of Consumer Financial Protection is proposing to create a new category of QMs (Seasoned QMs) for first-lien, fixed-rate covered transactions that have met certain performance requirements over a 36-month seasoning period, are held in portfolio until the end of the seasoning period, comply with general restrictions on product features and points and fees, and meet certain underwriting requirements.

The Bureau proposes to amend Regulation Z to replace the Temporary GSE QM loan definition’s sunset date with a provision that extends the definition to expire upon the effective date of final amendments to the General QM loan definition.

The Bureau of Consumer Financial Protection proposes to amend Regulation F, which implements the Fair Debt Collection Practices Act (FDCPA), by proposing to require debt collectors to make certain disclosures when collecting time-barred debts.

The Bureau is proposing to amend Regulation Z, which implements the Truth in Lending Act, generally to address the sunset of LIBOR, expected to be discontinued after 2021.

The Bureau seeks comments and information to identify opportunities to prevent credit discrimination, encourage responsible innovation, promote fair, equitable, and nondiscriminatory access to credit, address potential regulatory uncertainty, and develop viable solutions to regulatory compliance challenges under the Equal Credit Opportunity Act (ECOA) and Regulation B.

The Bureau is proposing to exempt certain insured depository institutions and insured credit unions from the requirement to establish escrow accounts for certain higher-priced mortgage loans.

The Bureau of Consumer Financial Protection (Bureau) announces the availability of an updated consumer publication, the Consumer Handbook on Adjustable Rate Mortgages booklet, also known as the CHARM booklet.

The Bureau of Consumer Financial Protection is seeking comments and information from interested parties to assist the Taskforce on Federal Consumer Financial Law.

This notice proposes changes to the Remittance Rule to mitigate the expiration of an exception that allows insured institutions to estimate certain costs associated with sending a remittance transfer to increase the normal course of business safe harbor.

The Bureau is requesting public comment on its plans for assessing the TILA-RESPA Integrated Disclosure (TRID) Rule in accordance with section 1022(d) of the Dodd-Frank Act.

The Bureau seeks information to identify opportunities to utilize Tech Sprints as a means to encourage regulatory innovation.

The Bureau is extending the comment period for the debt collection NPRM published May 21, 2019. Responses to the NPRM must now be received on or before September 18, 2019.

The Bureau is reopening the comment period for certain aspects of the 2019 Notice of Proposed Rulemaking related to Regulation C, which implements the Home Mortgage Disclosure Act.

The Bureau of Consumer Financial Protection (Bureau) is issuing this Advance Notice of Proposed Rulemaking (ANPR) because it is considering whether to propose revisions to Regulation Z’s general qualified mortgage definition.

The Bureau is publishing a plan for the review of rules pursuant to section 610 of the Regulatory Flexibility Act (RFA).  

The Bureau is seeking comment as part of its review of a 2009 overdraft rule consistent with section 610 of the Regulatory Flexibility Act. 

The Bureau proposes to amend Regulation F, which implements the Fair Debt Collection Practices Act (FDCPA), to prescribe Federal rules governing the activities of debt collectors covered by the FDCPA.

The Bureau is issuing this advance notice of proposed rulemaking relating to certain data points in the Bureau’s October 2015 final rule that were added to Regulation C or revised to require additional information, and coverage of certain business- or commercial-purpose loans.

The Bureau is proposing to amend Regulation C to increase the threshold for reporting data about closed-end mortgage loans, extend the temporary threshold for reporting data about open-end lines of credit and set a threshold upon expiration of the proposed extension, and further implement the amendments to HMDA made by the Economic Growth, Regulatory Relief, and Consumer Protection Act. 

The Request for Information regarding potential rule changes to the Remittance Rule seeks information on the coverage of the rule and on the expiration of an exception that allows certain financial institutions to estimate certain costs that come with sending a remittance transfer. 

This generic information collection plan provides for the collection of qualitative feedback from consumers, financial institutions, and stakeholders on a wide range of services the Bureau provides.

Section 1013(b)(3)(A) of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Act) requires the Bureau to “facilitate the centralized collection of, monitoring of, and response to consumer complaints regarding consumer financial products or services.”

The Equal Credit Opportunity Act (“ECOA”) was enacted to ensure that credit is made available to all creditworthy applicants without discrimination on the basis of sex, marital status, race, color, religion, national origin, age, or other prohibited bases under the ECOA.