Documents

Finalization of Interim Final Rules (Subject to Any Intervening Amendments) Under Consumer Financial Protection Laws

Federal Register · Rule · Apr 28, 2016

. 2 The comment periods closed on various dates from February 14-27, 2012. … The comments generally fall into four broad categories.

Streamlining Inherited Regulations

Federal Register · Proposed Rule · Dec 5, 2011

DATES: Comments must be submitted by March 5, 2012. Commenters will have 30 additional days, until April 3, 2012, to respond to other comments. … Electronic Disclosures The inherited regulations require that certain disclosures, including periodic statements and receipts under Regulations E and Z, be provided to consumers in writing in a form

Financial Data Transparency Act Joint Data Standards

Federal Register · Proposed Rule · Aug 22, 2024

The docket may be viewed after the close of the comment period in the same manner as during the comment period. Board: You may submit comments, identified by Docket No. … All comments may be accessible under the Freedom of Information Act.

Supervisory Authority Over Certain Nonbank Covered Persons Based on Risk Determination; Public Release of Decisions and Orders

Federal Register · Rule · Nov 21, 2022

requirements of the Administrative Procedure Act (APA), because it was a rule of agency organization, procedure, and practice. … Second, at the request of one commenter, the Bureau is extending the time period that the rule gives to respondents to file a submission on the issue of public release.

Disclosure of Loan-Level HMDA Data

Federal Register · Notice · Sep 25, 2017

This proposed Policy Guidance is exempt from notice and comment rulemaking requirements under the Administrative Procedure Act pursuant to 5 U.S.C. 553(b). … Act,” at 179 (Fed.

Equal Credit Opportunity Act (Regulation B)

Federal Register · Rule · Apr 22, 2026

Furthermore, the 30-day comment period over the Thanksgiving holiday did not provide a meaningful opportunity to comment on a rule of this significance, according to these commenters. … Thus, the Bureau concludes that the comment period provided a reasonable opportunity to participate in the rulemaking process.

Defining Larger Participants of the Automobile Financing Market

Federal Register · Proposed Rule · Aug 8, 2025

Additionally, where the Bureau has asked for specific comment on a topic, commenters should seek to highlight the topic to which their comment is applicable. … Questions for Commenters 1.

Supplemental Standards of Ethical Conduct for Employees of the Bureau of Consumer Financial Protection

Federal Register · Rule · Aug 2, 2017

The proposed rule provided a 30-day comment period, which ended on February 9, 2017. The Bureau did not receive any comments. … Matters of Regulatory Procedure Regulatory Flexibility Act The Regulatory Flexibility Act, 5 U.S.C. 601 et seq., as amended by the Small Business Regulatory Enforcement Fairness Act of 1996 (the

Consumer Financial Protection Circular 2023-02: Reopening Deposit Accounts That Consumers Previously Closed

Federal Register · Rule · May 24, 2023

ADDRESSES: Enforcers, and the broader public, can provide feedback and comments to Circulars@cfpb.gov. FOR FURTHER INFORMATION CONTACT: Terry J. … Consumers, for example, do not control waiting periods or the length of time it takes a financial institution to settle transactions to bring a balance to zero.

The Fair Credit Reporting Act's Limited Preemption of State Laws

Federal Register · Rule · Jul 11, 2022

BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 The Fair Credit Reporting Act's Limited Preemption of State Laws AGENCY: Bureau of Consumer Financial Protection. … As an interpretive rule, this rule is exempt from the notice-and-comment rulemaking requirements of the Administrative Procedure Act. 26 Because no notice of proposed rulemaking is required, the Regulatory

Supervisory Highlights: Winter 2016

Federal Register · Notice · May 16, 2016

Any questions or comments from supervised entities can be directed to CFPB_Supervision@cfpb.gov. 2. … It is therefore exempt from notice and comment rulemaking requirements under the Administrative Procedure Act pursuant to 5 U.S.C. 553(b).

Equal Access to Justice Act Implementation Rule

Federal Register · Rule · Jun 29, 2012

§ 1071.303 Comments by other parties. … exploration of matters raised in the comments

Statement of Policy Regarding Prohibition on Abusive Acts or Practices; Rescission

Federal Register · Rule · Mar 19, 2021

Regulatory Requirements: The Policy Statement constituted a general statement of policy exempt from the notice and comment rulemaking requirements of the Administrative Procedure Act (APA). 15 It … The rescission of this policy statement likewise is a general statement of policy exempt from the notice and comment rulemaking requirements of the APA.

Protecting Americans From Harmful Data Broker Practices (Regulation V)

Federal Register · Proposed Rule · Dec 13, 2024

The CFPB further requests comment on ways that it might facilitate implementation for small entities, such as by providing for a longer implementation period for small entities and what that period should … the CFPB could facilitate implementation for small entities, such as by providing for a longer implementation period for small entities and what that period should be.

Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications

Federal Register · Proposed Rule · Nov 17, 2023

DATES: Comments should be received on or before January 8, 2024. ADDRESSES: You may submit comments, identified by Docket No. … For example, the CFPB would examine certain larger participants on a periodic or occasional basis.

Truth in Lending (Regulation Z); Consumer Credit Offered to Borrowers in Advance of Expected Receipt of Compensation for Work

Federal Register · Rule · Jan 15, 2025

In July 2024, the CFPB proposed an interpretive rule on this same topic (2024 Proposed Interpretive Rule) and voluntarily sought public comment. The comment period closed on August 30, 2024. B. … .-5.17.23_Redacted.pdf; Innovative Payments Ass'n, Comment Letter on Cal. Dep't of Fin.

Supervisory Highlights Junk Fees Update Special Edition, Issue 31, Fall 2023

Federal Register · Notice · Oct 17, 2023

We invite readers with questions or comments about Supervisory Highlights to contact us at CFPB_Supervision@cfpb.gov. 2. … As stated in comment 31(b)(1)-1(ii), fees include “any fees imposed by an agent of the provider at the time of the transfer.” 23  12 CFR 1005.33(c)(2)(ii)(B). 3.

Compliance Bulletin-The FCRA's Requirement That Furnishers Establish and Implement Reasonable Written Policies and Procedures Regarding the Accuracy and Integrity of Information Furnished to All Consumer Reporting Agencies

Federal Register · Notice · Feb 4, 2016

Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies” and incorporate those guidelines that are appropriate. 5 Additionally, each furnisher must periodically … It is therefore exempt from notice and comment rulemaking requirements under the Administrative Procedure Act pursuant to 5 U.S.C. 553(b).

Electronic Fund Transfers (Regulation E)

Federal Register · Proposed Rule · Apr 25, 2014

The comment period on this proposal ended on April 1, 2014. 6 6  The comments submitted regarding this proposed rule are available at https://federalregister.gov/a/2014-01606. D. … The Bureau also seeks comment on whether it should extend the exception for a period less than five years and/or whether it should place other limits on the use of the temporary exception, such as to allow

Supervisory Highlights: Special Edition Student Lending

Federal Register · Notice · Dec 26, 2024

Examiners found that entities offering private student loans engaged in deceptive acts or practices by falsely advertising that private student loan borrowers could suspend their payments for short periods … Examiners found that entities risked engaging in unfair acts or practices by distributing to their clients' contracts for institutional student loans which required repayment during the in-school period