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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

Proposed Rule

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.

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Category: Proposed rule |

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.

Category: Proposed rule |

Consumer Financial Civil Penalty Fund

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.