Final rules

This interpretive rule describes states’ authorities to pursue companies and individuals that violate the provisions of federal consumer financial protection law.

The CFPB is adding a mechanism to make certain final decisions and orders regarding its supervisory authority public.

The Bureau of Consumer Financial Protection (Bureau) is amending Regulation Z, which implements the Truth in Lending Act (TILA), generally to address the anticipated sunset of LIBOR, which is expected to be discontinued for most U.S. Dollar (USD) tenors in June 2023.

The Bureau is withdrawing a proposal to delay the effective date of the Debt Collection Final Rules. The Debt Collection final rules will take effect on November 30, 2021.

This final rule makes limited revisions to the Bureau’s regulations that establish the procedures used to obtain records from the Bureau under the Privacy Act.

The Bureau is issuing technical specifications for credit card agreement and data submissions required under TILA and the CARD Act.

This interpretive rule clarifies certain Regulation Z timing requirements in light of legislation that designated “Juneteenth National Independence Day, June 19” (Juneteenth) as a legal public holiday.

The Bureau of Consumer Financial Protection (Bureau) is issuing this final rule to amend Regulation X to assist mortgage borrowers affected by the COVID-19 emergency.

The CFPB has authority to conduct supervisory examinations regarding the risks to consumers from conduct that violates the Military Lending Act.

This final rule delays the General QM Final Rule’s mandatory compliance date to October 1, 2022.

The Bureau of Consumer Financial Protection (Bureau) is issuing this interpretive rule to clarify that, with respect to any aspect of a credit transaction, the prohibition against sex discrimination in the Equal Credit Opportunity Act (ECOA) and Regulation B, which implements ECOA, encompasses sexual orientation discrimination and gender identity discrimination, including discrimination based on actual or perceived nonconformity with sex-based or gender-based stereotypes and discrimination based on an applicant’s associations.

Amendments to exempt certain insured depository institutions and insured credit unions from the requirement to establish escrow accounts for certain higher-priced mortgage loans.

The Consumer Financial Protection Bureau is adopting a final rule that codifies the Interagency Statement Clarifying the Role of Supervisory Guidance.

This rule amends Regulation F, which implements the Fair Debt Collection Practices Act (FDCPA), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA.

The Bureau of Consumer Financial Protection (Bureau) is issuing this final rule to create a new category of QMs (Seasoned QMs) for first-lien, fixed-rate covered transactions that have met certain performance requirements, are held in portfolio by the originating creditor or first purchaser for a 36-month period, comply with general restrictions on product features and points and fees, and meet certain underwriting requirements.

This final rule amends the General QM loan definition in Regulation Z. Among other things, the final rule removes the General QM loan definition’s 43 percent DTI limit and replaces it with price-based thresholds.

This rule amends Regulation F, which implements the Fair Debt Collection Practices Act (FDCPA), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA.

This final rule amends the Bureau’s regulation related to the confidential treatment of information that the Bureau obtains from persons in connection with the exercise of its authorities under Federal consumer financial laws.

The Bureau amends Regulation Z to replace the January 10, 2021 sunset date of the Temporary GSE QM loan definition with a provision stating that the Temporary GSE QM loan definition will be available only for covered transactions for which the creditor receives the consumer’s application before the mandatory compliance date of final amendments to the General QM loan definition in Regulation Z.

CFPB revoked regulations providing it is an unfair and abusive practice to make certain payday and vehicle title loans without reasonably determining ability to repay.

This rule amends Regulation Z (Truth in Lending) to implement certain amendments to the Truth in Lending Act made by the Dodd-Frank Act.

This rule requires a creditor to make a reasonable, good faith determination of a consumer’s ability to repay a residential mortgage loan according to its terms.

The Bureau is issuing this interpretive rule to provide guidance about the way in which it determines which counties qualify as underserved for a given calendar year.

Amendments are adopted that will allow insured institutions to estimate certain costs associated with sending a remittance transfer under certain conditions and raise the normal course of business safe harbor.

Regulation E implements the Electronic Fund Transfer Act. It regulates electronic fund transfers, prepaid accounts, remittance transfers, gift cards and gift certificates.