Documents

Truth in Lending (Regulation Z) Annual Threshold Adjustments (Credit Cards, HOEPA, and Qualified Mortgages)

Federal Register · Rule · Dec 23, 2022

Administrative Procedure Act The Administrative Procedure Act does not require notice and opportunity for public comment if an agency finds that notice and public comment are impracticable, unnecessary … For additional instruction on how to determine the maximum interest rate during the first five years after the date on which the first regular periodic payment will be due, see comments 43(e)(2)(iv)-3

Appraisals for Higher-Priced Mortgage Loans

Federal Register · Rule · Dec 26, 2013

period. … Comment 35(c)(2)(ii)-1 explains that, for purposes of § 1026.35(c)(2)(ii), the threshold amount in effect during a particular one-year period is the amount stated in this comment for that period.

Annual Privacy Notice Requirement Under the Gramm-Leach-Bliley Act (Regulation P)

Federal Register · Proposed Rule · Jul 11, 2016

The Bureau requests comment on whether 60 days is an appropriate period for delivering annual notices in these circumstances or if another period would be more appropriate. 5(e)(2)(iii) Example Proposed … The Bureau invites comment on its proposal to remove the alternative delivery method. V. Section 1022(b)(2) of the Dodd-Frank Act A.

Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking (Regulation V)

Federal Register · Rule · Jun 24, 2022

A separate comment period on the information collections concluded on June 17, 2022. OMB received no comments. Title of Collection: Regulation V: Fair Credit Reporting Act. … Two industry trade associations submitted comments arguing for a shorter record retention period under § 1022.142(g), but neither commenter argued that the proposed requirement was too burdensome or provided

Defining Larger Participants of the Automobile Financing Market and Defining Certain Automobile Leasing Activity as a Financial Product or Service

Federal Register · Proposed Rule · Oct 8, 2014

DATES: Comments must be received on or before December 8, 2014. ADDRESSES: You may submit comments, identified by Docket No. … period of measurement.

Rules of Practice for Adjudication Proceedings

Federal Register · Rule · Oct 29, 2025

requirements of the Administrative Procedure Act. 12 However, the Bureau accepted comments on the rule and is issuing this rule after considering those comments. … (a) Time period for filing recommended decision.

Home Mortgage Disclosure (Regulation C)

Federal Register · Rule · Oct 29, 2019

As discussed in more detail below, the Bureau has considered these comments in adopting this final rule. 35  A separate comment period related to the Paperwork Reduction Act closed on July 12, … To allow for the submission of such comments, the Bureau reopened the comment period on certain aspects of the proposal until October 15, 2019. 36 Specifically, the Bureau reopened the comment period

Home Mortgage Disclosure (Regulation C)

Federal Register · Proposed Rule · Aug 29, 2014

and a reply period to allow commenters to respond to each other's comments. 149 The initial comment period closed March 5, 2012 and the reply period closed June 4, 2012. 150 146  76 FR … Proposed comment 4(a)(12)-4.ii clarifies that for variable-rate covered loans, the term for identifying the comparable transaction is the initial, fixed-rate period ( i.e., the period until the first

Semiannual Regulatory Agenda

Federal Register · Proposed Rule · Aug 16, 2024

Timetable:   Action Date FR Cite SBREFA Outline 02/23/22 SBREFA Report 05/13/22 NPRM 06/21/23 88 FR 40638 NPRM Comment Period End 08/21/23 Final Rule … End 02/04/21 SBREFA Outline 10/27/22 SBREFA Report 03/30/23 NPRM 10/31/23 88 FR 74796 NPRM Comment Period End 12/29/23 Final Rule 10/00/24 Regulatory

Agency Information Collection Activities: Comment Request

Federal Register · Notice · Dec 9, 2025

Please note that comments submitted after the comment period will not be accepted. In general, all comments received will become public records, including any personal information provided. … Anthony May, Paperwork Reduction Act Officer, Consumer Financial Protection Bureau. [FR Doc. 2025-22370 Filed 12-8-25; 8:45 am] BILLING CODE 4810-AM-P

Defining Larger Participants in Certain Consumer Financial Products and Services Markets

Federal Register · Proposed Rule · Jun 29, 2011

for comment, the CFPB invites public comment on all issues relevant to the development of this proposal. 14  Section 1066 of the Act grants the Secretary of the Treasury interim authority to perform … • Are there alternative approaches for establishing an assessment time period that the CFPB should consider?

Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold

Federal Register · Rule · Dec 21, 2016

During the 12-month period ending in November 2016, the average of the CPI-W increased by 0.8 percent. … Administrative Procedure Act Under the Administrative Procedure Act (APA), notice and opportunity for public comment are not required if the Bureau finds that notice and public comment are impracticable

Federal Mortgage Disclosure Requirements Under the Truth in Lending Act (Regulation Z)

Federal Register · Rule · May 2, 2018

Dodd-Frank Act Dodd-Frank Act section 1032. … The comment references § 1026.19(f)(2)(ii) and associated commentary regarding changes before consummation requiring a new waiting period.

Electronic Fund Transfers (Regulation E)

Federal Register · Rule · Sep 18, 2014

Act. … The majority of these commenters asked for a 90-day implementation period, while the money transmitter commenter asked for a 12-month implementation period.

Semiannual Regulatory Agenda

Federal Register · Proposed Rule · Jun 18, 2015

Timetable:   Action Date FR Cite NPRM 08/29/14 79 FR 51731 NPRM Comment Period End 10/29/14 Final Rule 08/00/15 Regulatory Flexibility Analysis Required … In addition, in December 2013, the Board proposed revised amendments to certain Regulation CC provisions that are not subject to the CFPB's authority and stated in the proposal that the comment period

Home Mortgage Disclosure (Regulation C) Temporary Increase in Institutional and Transactional Coverage Thresholds for Open-End Lines of Credit

Federal Register · Proposed Rule · Jul 20, 2017

The 2017 HMDA Proposal sought comment on this and other proposed changes. The comment period closed on May 25, 2017. … The Bureau also seeks comment on whether, if it elects to increase the open-end transactional coverage threshold, it should do so for a period of two years or a longer or shorter period of time.

Home Mortgage Disclosure (Regulation C)

Federal Register · Rule · Feb 15, 2012

Final Rule Under the Administrative Procedure Act, notice and opportunity for public comment are not required if the Bureau finds that notice and public comment are impracticable, unnecessary, or contrary … Comment 2(Financial institution)-2 is amended to update the exemption threshold.

Prepaid Accounts Under the Electronic Fund Transfer Act (Regulation E) and the Truth in Lending Act (Regulation Z); Delay of Effective Date

Federal Register · Proposed Rule · Mar 15, 2017

Regulatory Flexibility Act The Regulatory Flexibility Act  16 as amended by the Small Business Regulatory Enforcement Fairness Act of 1996  17 (RFA) requires each agency to consider the potential … Comments should be submitted to the Bureau as instructed in the Addresses part of this notice and to the attention of the Paperwork Reduction Act Officer.

Impacts of Overdraft Programs on Consumers

Federal Register · Notice · Feb 28, 2012

SUMMARY: Title XIV of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111-203 (the Dodd-Frank Act), charges the Bureau of Consumer Financial Protection (the CFPB or the Bureau … to the Bureau for the Electronic Funds Transfer Act, 2 except with respect to section 920 of that Act, and the Truth in Savings Act, 3 which taken together, in part, govern consumer transaction

Procedures for Supervisory Designation Proceedings

Federal Register · Rule · Apr 23, 2024

Commenters are encouraged to submit comments electronically. In general, all comments received will be posted without change to https://www.regulations.gov. … In computing any period of time prescribed by this part, or by order of the Director, the date of the act or event that commences the designated period of time is not included.