Archive of closed notices

The Consumer Financial Protection Bureau (Bureau or CFPB) is seeking comments from the public related to fees that are not subject to competitive processes that ensure fair pricing. The submissions to this request for information will serve to assist the CFPB and policymakers in exercising its enforcement, supervision, regulatory, and other authorities to create fairer, more transparent, and competitive consumer financial markets.

The Bureau of Consumer Financial Protection (Bureau) is proposing amending Regulation X to assist borrowers affected by the COVID-19 emergency. The proposed amendments would generally prohibit servicers from making the first notice or filing required for foreclosure until after December 31, 2021, amend early intervention and reasonable diligence obligations to ensure that servicers are communicating timely and accurate information to borrowers about their loss mitigation options during the current crisis, and temporarily permit mortgage servicers to offer certain loss mitigation options made available to borrowers experiencing a COVID-19-related hardship based on the evaluation of an incomplete application.

The Bureau of Consumer Financial Protection (Bureau) is proposing to delay the mandatory compliance date of the final rule titled Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z): General QM Loan Definition (General QM Final Rule) until October 1, 2022.

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

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 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 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 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 Bureau is issuing this advance notice of proposed rulemaking relating to residential Property Assessed Clean Energy (PACE) financing to aid implementation of the Economic Growth, Regulatory Relief, and Consumer Protection Act section 307.

This is a request for OMB to renew approval without change for the information collections in Regulation G the Secure and Fair Enforcement for Mortgage Licensing Act (the S.A.F.E. Act)

This is a request for OMB to renew approval without change for the information collections in “Mortgage Acts And Practices (Regulation N) 12 CFR 1014.

This is a request for OMB to renew approval without change for the information collections in "Mortgage Assistance Relief Services (Regulation O) 12 CFR 1015."

The Bureau is proposing to amend a provision in Regulation Z that it issued in 2016 relating to the timing for mortgage servicers to transition to providing modified or unmodified periodic statements and coupon books in connection with a consumer’s bankruptcy case.

The proposed rule would temporarily raise the reporting threshold for open-end lines of credit to 500 loans.

The proposal relates to when creditors may compare actual charges to amounts disclosed on a Closing Disclosure to determine if an estimated closing cost was disclosed in good faith.

The Bureau of Consumer Financial Protection (Bureau) is conducting an assessment of the ATR/QM Rule under the Truth in Lending Act (Regulation Z), in accordance with section 1022(d) of the Dodd-Frank Wall Street Reform and Consumer Protection Act.  

The Bureau of Consumer Financial Protection (Bureau) proposes amendments to Regulation C to make technical corrections to and to clarify certain requirements adopted by the Bureau’s Home Mortgage Disclosure (Regulation C) final rule ( 2015 HMDA Final Rule or the Final Rule), which was published in the Federal Register on October 28, 2015. The Bureau also proposes a new reporting exclusion.  

The Bureau is proposing amendments to Regulation B to permit creditors additional flexibility in complying with Regulation B in order to facilitate compliance with Regulation C and the collection and retention of information about the ethnicity, sex, and race of certain mortgage applicants.

The Bureau of Consumer Financial Protection (Bureau) is proposing various amendments to Federal mortgage disclosure requirements under the Real Estate Settlement Procedures Act and the Truth in Lending Act that are implemented in Regulation Z.

The Board and the Bureau are proposing to amend the official interpretations and commentary for the agencies’ regulations that implement the Truth in Lending Act.  The proposal would memorialize the agencies’ calculation method for determining the annual adjustment of the dollar threshold for exempt consumer credit transactions in years following a year in which there is no annual percentage increase in the CPI-W.  

The OCC, the Board and the Bureau are proposing to amend the official interpretations for their regulations that implement section 129H of the Truth in Lending Act.  The proposal would memorialize the agencies’ calculation method for determining the annual adjustment of the dollar threshold for exempt small loan transactions in years following a year in which there is no annual percentage increase in the CPI-W.  

The Bureau of Consumer Financial Protection (Bureau) is reopening the comment period for a specific aspect of the proposed rule published by the Bureau in the Federal Register on December 15, 2014. The Bureau conducted consumer testing of sample periodic statement forms for consumers in bankruptcy after the close of the original comment period. The Bureau now reopens the comment period until May 26, 2016 to seek comment specifically on the report summarizing consumer testing of sample periodic statement forms for consumers in bankruptcy.