Documents

Truth in Lending (Regulation Z); Use of Digital User Accounts To Access Buy Now, Pay Later Loans

Federal Register · Rule · May 31, 2024

While not required under the Administrative Procedure Act, the CFPB is opting to collect comments on this interpretive rule and may make revisions as appropriate after reviewing feedback received. … Comments must be received by August 1, 2024. ADDRESSES: You may submit comments, identified by Docket No.

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.

Advisory Committees Solicitation of Applications for Membership

Federal Register · Notice · Jan 11, 2021

Please note that due to circumstances associated with the COVID-19 pandemic, the Bureau discourages the submission of comments by mail, hand delivery, or courier. … The Bureau will not review applications and will not answer questions from internal or external parties regarding applications until the application period has closed.

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.

Consumer Credit Card Market Report, 2023

Federal Register · Notice · Nov 2, 2023

SUPPLEMENTARY INFORMATION: 1.1 Background In 2009, Congress passed the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act or Act). 1 The Act made substantial changes … In addition to mandating the CFPB's biennial review and report on the market, the Act also requires the CFPB to “solicit comment from consumers, credit card issuers, and other interested parties” in connection

Examinations for Risks to Active-Duty Servicemembers and Their Covered Dependents

Federal Register · Rule · Jun 23, 2021

Truth in Lending Act Section 108 addresses administrative enforcement of TILA. … As an interpretive rule, this rule is exempt from the notice-and-comment rulemaking requirements of the Administrative Procedure Act. 49 Because no notice of proposed rulemaking is required, the Regulatory

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

Procedure Relating to Rulemaking

Federal Register · Rule · Dec 28, 2012

After a period of time that depends on the length of the document and other factors, the Office of the Federal Register will then make the document available for public inspection and then publish it in … Regulatory Requirements The Final Rule relates solely to agency procedure and practice and, thus, is not subject to the notice and comment requirements of the Administrative Procedure Act, 5 U.S.C.

Advisory Committees Solicitation of Applications for Membership

Federal Register · Notice · Jun 30, 2022

Please note that due to circumstances associated with the COVID-19 pandemic, the Bureau discourages the submission of comments by mail, hand delivery, or courier. … The Bureau will not review applications and will not answer questions from internal or external parties regarding applications until the application period has closed.

Consumer Financial Protection Circular 2023-01: Unlawful Negative Option Marketing Practices

Federal Register · Rule · Jan 30, 2023

ADDRESSES: Enforcers, and the broader public, can provide feedback and comments to Circulars@cfpb.gov. … In trial marketing plans, consumers receive products or services for free (or for a reduced fee) for a trial period.

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

Federal Register · Proposed Rule · May 13, 2014

Several industry commenters suggested that if an institution's privacy notice has not changed, the institution should be allowed to communicate on the consumer's periodic statement, via email, or by some … Section 1022(b)(2) of the Dodd-Frank Act A.

Amendments to Filing Requirements Under the Interstate Land Sales Full Disclosure Act (Regulations J and L)

Federal Register · Rule · May 11, 2016

Procedural Requirements Under the Administrative Procedure Act (APA), notice and opportunity for public comment are not required for a “rule[] of agency organization, procedure, or practice” or … However, the 180-day provision cannot extend the 2-year period for performance.

Statement of Policy Regarding Prohibition on Abusive Acts or Practices

Federal Register · Rule · Feb 6, 2020

For example, in response to the Bureau's Spring 2018 Call for Evidence, the Bureau received comments from stakeholders about these concerns. 11 Many commentators and other stakeholders have raised … Regulatory Requirements This Policy Statement constitutes a general statement of policy that is exempt from the notice and comment rulemaking requirements of the Administrative Procedure Act. 34

Consumer Financial Protection Circular 2022-07: Reasonable Investigation of Consumer Reporting Disputes

Federal Register · Rule · Nov 23, 2022

ADDRESSES: Enforcers, and the broader public, can provide feedback and comments to Circulars@cfpb.gov. FOR FURTHER INFORMATION CONTACT: David Wake, Senior Counsel, at (202) 435-9613. …  Examples of primary sources of evidence include but are not limited to documents submitted by a consumer in support of a dispute such as copies of letters from creditors, bank statements, checks, or periodic

Request for Information Regarding Potential Regulatory Changes to the Remittance Rule

Federal Register · Proposed Rule · Apr 29, 2019

SUMMARY: The Electronic Fund Transfers Act (EFTA), as amended by the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act), establishes certain protections for consumers sending international … You are not required to answer all questions to receive consideration of your comments. The Bureau encourages the early submission of comments.

Consumer Financial Protection Circular 2024-06: Background Dossiers and Algorithmic Scores for Hiring, Promotion, and Other Employment Decisions

Federal Register · Rule · Nov 12, 2024

ADDRESSES: Enforcers, and the broader public, can provide feedback and comments to Circulars@cfpb.gov. … Consumer Financial Protection Circulars are general statements of policy under the Administrative Procedure Act. 5 U.S.C. 553(b).

Consumer Financial Protection Circular 2024-01: Preferencing and Steering Practices by Digital Intermediaries for Consumer Financial Products or Services

Federal Register · Rule · Mar 12, 2024

ADDRESSES: Enforcers, and the broader public, can provide feedback and comments to Circulars@cfpb.gov. … • A tool operator receives different payment based on whether the digital comparison-shopping tool meets a certain threshold volume allocation of leads generated within a set period of time, and uses

Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-In Practices

Federal Register · Rule · Oct 2, 2024

ADDRESSES: Enforcers, and the broader public, can provide feedback and comments to Circulars@cfpb.gov. … CFR 1005.17(b)(1)(ii) & (iii). 3  12 CFR 1005.17(b)(1)(i) & (iv). 12 CFR 1005.13(b)(1) requires a person to retain evidence of compliance with the requirements of EFTA and Regulation E for a period

Interagency Guidance on Reconsiderations of Value of Residential Real Estate Valuations

Federal Register · Rule · Jul 26, 2024

Comments on Burden on Institutions E. Other Comments Submitted III. Paperwork Reduction Act IV. … period ended on September 19, 2023.

Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; Rescission

Federal Register · Rule · Oct 29, 2025

Dodd-Frank Act Section 1022(b) Analysis A. … Regulatory Flexibility Act Analysis A.