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.
The Consumer Financial Protection Bureau (CFPB) is proposing this interpretive rule to help participants in the market for paycheck advance products determine when certain existing requirements under Federal law are triggered. The proposed interpretive rule also addresses certain costs that are in substantial connection with extensions of such credit, such as expedited delivery fees and costs marketed as “tips.”
The CFPB is issuing this interpretive rule to clarify that lenders clarifies that these lenders are “card issuers” for purposes of Regulation Z because the term “credit card” encompasses digital user accounts that consumers use to access Buy Now, Pay Later (BNPL) credit.
The Bureau proposes to address how the Truth in Lending Act applies to Property Assessed Clean Energy (PACE) financing transactions to account for the unique nature of PACE.
The Consumer Financial Protection Bureau is seeking comment on the economic impact of Regulation Z’s Mortgage Loan Originator Rules on small entities.
This notice responds to a request that the CFPB make a preemption determination regarding certain provisions in a commercial financing law in New York State. The notice states the CFPB’s intent to make a determination, its preliminary conclusion that TILA does not preempt the New York law, and the possibility of issuing a determination on commercial financing laws in three other states. The notice solicits public comment.
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 is requesting comment on two related, but separate, reviews, under the Regulatory Flexibility Act and the Credit Card Accountability Responsibility and Disclosure Act of 2009.
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 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 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.
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 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 is proposing to amend its rules governing prepaid accounts under Regulation E and Regulation Z.
The Bureau of Consumer Financial Protection is conducting an assessment of the ATR/QM Rule under the Truth in Lending Act (Regulation Z), in accordance with...
The Credit CARD Act requires the Bureau to conduct a review of the consumer credit card market, within the limits of its existing resources available for...
The Bureau is proposing to delay the October 1, 2017 effective date of the rule governing Prepaid Accounts Under the Electronic Fund Transfer Act...
In accordance with the Paperwork Reduction Act of 1995 (PRA), the Bureau is requesting to renew the Office of Management and Budget (OMB) approval for an...
The Bureau is proposing various amendments to Federal mortgage disclosure requirements under the Real Estate Settlement Procedures Act and the Truth in...
The Board and the Bureau are proposing to amend the official interpretations and commentary for the agencies' regulations that implement the Truth in...
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...
The 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...
This interim final rule amends certain provisions of Regulation Z in light of title LXXXIX of the Fixing America's Surface Transportation Act, entitled the...
The CFPB is requesting to renew the Office of Management and Budget (OMB) approval for an existing information collection, titled, “Loan Originator Compensation Amendment (Regulation Z)”.
