The Bureau and other agencies are inviting comment on a proposed rule that would codify the Interagency Statement Clarifying the Role of Supervisory Guidance.
Rules under development
Before issuing a final rule, the CFPB generally announces and explains its proposals to address an issue and invites public comment.
You can find all notices requesting public comment on our comprehensive “Notice and Opportunities for Comment” page.
Types of rules listed on this page
A proposed rule announces and explains the Bureau’s proposal to address an issue and invites the public to comment. The proposed rule and the public comments received on it form the basis of the final rule.
Advanced Notice of Proposed Rulemaking
An optional early step in CFPB rulemaking. Used to get initial public input on certain key aspects of potential rulemakings.
Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z): Seasoned QM Loan Definition
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 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.
Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z): General QM Loan Definition
In this notice, the Bureau proposes certain amendments to the General QM loan definition in Regulation Z.
Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z): Extension of Sunset Date
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 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.
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 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 extending the comment period on the Bureau’s Advance Notice of Proposed Rulemaking relating to Regulation C, which implements the Home Mortgage Disclosure 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 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.
Home Mortgage Disclosure (Regulation C) Temporary Increase in Institutional and Transactional Coverage Thresholds for Open-End Lines of Credit
The proposed rule would temporarily raise the reporting threshold for open-end lines of credit to 500 loans.
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.
The Bureau proposes amendments to the procedures used by the public to obtain information from the Bureau under the Freedom of Information Act, the Privacy Act of 1974, and in legal proceedings. The Bureau also proposes amendments to its rule regarding the confidential treatment of Bureau information.
The Consumer Financial Protection Bureau (the Bureau) is seeking comment, data, and information from the public about debt collection practices.
This proposal is related to a final rule published elsewhere in today's Federal Register. That final rule implements the statutory Civil Penalty Fund provisions by articulating the Bureau's interpretation of what kinds of payments to victims are appropriate and by establishing procedures for allocating funds for such payments to victims and for consumer education and financial literacy programs. This notice of proposed rulemaking seeks comments on possible revisions, adjustments, or refinements to the rule.
The Bureau is proposing certain amendments to the final rule implementing these requirements, including exemptions for certain nonprofit creditors and certain homeownership stabilization programs and an additional definition of a qualified mortgage for certain loans made and held in portfolio by small creditors.
Specifically, this proposal implements Dodd-Frank Act sections addressing initial rate adjustment notices for adjustable-rate mortgages (ARMs), periodic statements for residential mortgage loans, and prompt crediting of mortgage payments and response to requests for payoff amounts.