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Archive of closed notices

The notices listed below are no longer open for public comment. Select a document title to read the full text of the notice or the comments that were received.

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Category: Request for comment or information |
Published

Request for Information: Fees Imposed by Providers of Consumer Financial Products or Services

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.

Category: Proposed rule |
Published

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 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.

Category: Advance notice of proposed rulemaking |
Published

Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z): General QM Loan Definition; Delay of Mandatory Compliance Date

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.

Category: Proposed rule |
Published

Home Mortgage Disclosure (Regulation C)

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. 

Category: Proposed rule |
Published

Technical Corrections and Clarifying Amendments to the Home Mortgage Disclosure (Regulation C) October 2015 Final Rule

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.  

Category: Proposed rule |
Published

Amendments to Equal Credit Opportunity Act (Regulation B) Ethnicity and Race Information Collection

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.

Category: Proposed rule |
Published

Truth in Lending (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.  

Category: Proposed rule |
Published

Appraisals for Higher-Priced Mortgage Loans Exemption Threshold

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.  

Category: Request for comment or information |
Published

Amendments to the 2013 Mortgage Servicing Rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)

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.