Documents

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.

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.

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

Request for Information Regarding Use of Alternative Data and Modeling Techniques in the Credit Process

Federal Register · Notice · Feb 21, 2017

The Dodd-Frank Act prohibits unfair, deceptive, or abusive acts or practices in connection with consumer financial products or services. … Section 5 of the FTC Act similarly prohibits unfair or deceptive acts or practices in connection with a broader set of transactions. a.

Disclosure of Loan-Level HMDA Data

Federal Register · Notice · Jan 31, 2019

These commenters also stated that the data fields related to loan terms and conditions—such as the term of any prepayment penalty, the length of any introductory rate period, and whether the contractual … In 2010, Congress enacted the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act). 181 Among other changes, the Dodd-Frank Act expanded the scope of information relating to

Supervisory Highlights Consumer Reporting Special Edition, Issue 20 (Fall 2019)

Federal Register · Notice · Dec 11, 2019

We invite readers with questions or comments about the findings and legal analysis reported in Supervisory Highlights to contact us at CFPB_Supervision@cfpb.gov. 2. … Note that the 30-day period may be extended for an additional 15 days if the CRC receives information from the consumer during the 30-day period that is relevant to the reinvestigation. 15 U.S.C. 1681i

Bulletin 2021-03: Consumer Reporting of Rental Information

Federal Register · Rule · Jul 7, 2021

Prot., CFPB Acting Director Uejio & FTC Acting Chairwoman Slaughter Issue Joint Statement on Preventing Illegal Evictions (Mar. 29, 2021), https://www.consumerfinance.gov/about-us/newsroom/cfpb-acting-director-uejio-and-ftc-acting-chairwoman-slaughter-issue-joint-statement-on-preventing-illegal-evictions … Regulatory Requirements This Bulletin constitutes a general statement of policy exempt from the notice and comment rulemaking requirements of the Administrative Procedure Act. 55 It summarizes

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

Federal Register · Rule · Apr 27, 2012

Matters of Regulatory Procedure Administrative Procedure Act Under 5 U.S.C. 553(a)(2), rules relating to agency management or personnel are exempt from the notice and comment rulemaking requirements … of the Administrative Procedure Act (APA).

Responsible Business Conduct: Self-Assessing, Self-Reporting, Remediating, and Cooperating (CFPB BULLETIN 2020-01)

Federal Register · Rule · Mar 20, 2020

Did affected consumers receive appropriate information related to the violations within a reasonable period of time? 4. … It is therefore exempt from notice and comment rulemaking requirements under the Administrative Procedure Act pursuant to 5 U.S.C. 553(b).

Fair Credit Reporting; Facially False Data

Federal Register · Rule · Oct 26, 2022

of First Delinquency provided by a furnisher must reflect the month and year on which the delinquency being reported commenced. 23 When accurate, that date corresponds with the start of the time period … [because] allowing credit reporting agencies to act as nothing more than mere conduits of information would eviscerate the act's emphasis on reasonable compilation procedures.”)

Supervisory Highlights: Special Edition Auto Finance

Federal Register · Notice · Oct 18, 2024

discussed in Supervisory Highlights, references to institutions generally are in the plural and the related findings may pertain to one or more institutions. 2 We invite readers with questions or comments … During this period consumers may be forced to make multiple car payments, one for their totaled vehicle and another for a new vehicle.

Amendments Relating to Disclosure of Records and Information

Federal Register · Rule · Nov 24, 2020

The Bureau also made limited revisions to the rule during that period, related to the treatment of privileged information. … Act, 44 U.S.C. 3101.

Fair Lending Report of the Bureau of Consumer Financial Protection, December 2018

Federal Register · Notice · Feb 8, 2019

In addition to these interagency working groups, we meet periodically and on an ad hoc basis with the Justice Department and prudential regulators to coordinate our fair lending work. … It is therefore exempt from notice and comment rulemaking requirements under the Administrative Procedure Act pursuant to 5 U.S.C. 553(b).

Bulletin 2022-04: Mitigating Harm From Repossession of Automobiles

Federal Register · Rule · Mar 3, 2022

insurance (FPI) premiums after repossession even though no actual insurance protection was provided for those periods. … Regulatory Requirements The Bulletin constitutes a general statement of policy exempt from the notice and comment rulemaking requirements of the Administrative Procedure Act (APA).

Equal Credit Opportunity Act (Regulation B)

Federal Register · Proposed Rule · Nov 13, 2025

The Bureau also proposes to align the text of comment 4(b)-1 with the text of current § 1002.4(b) by replacing current references in the comment to “acts or practices” or “practices” with references to … The plan also must either state a specific period of time for which the program will last, or contain a statement regarding when the program will be reevaluated to determine if there is a continuing need

Debt Collection Practices (Regulation F); Pay-to-Pay Fees

Federal Register · Rule · Jul 5, 2022

The CFPB also periodically publishes Supervisory Highlights with anonymized findings and analysis from these supervisory examinations, as well as compliance bulletins to provide entities with guidance … As an interpretive rule, this advisory opinion is exempt from the notice-and-comment rulemaking requirements of the Administrative Procedure Act. 36 Because no notice of proposed rulemaking is required

Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt

Federal Register · Rule · Oct 4, 2024

This includes, for example, collecting amounts that exceed limits in the No Surprises Act. … articles/PMC10759668/. 17  William Hsiao, Fraud and Abuse in Healthcare Claims, California HH S (Jan. 2022), https://www.chhs.ca.gov/wp-content/uploads/2022/01/Commissioner-William-Hsiao-Comments-on-Fraud-and-Abuse-in-Healthcare-Claims.pdf

Fair Lending Report of the Bureau of Consumer Financial Protection, June 2019

Federal Register · Notice · Jul 8, 2019

The rule also provided that at a later date, the Bureau would initiate a notice-and-comment rulemaking to incorporate these interpretations and procedures into Regulation C and further implement the Act … In addition to these interagency working groups, we meet periodically and on an ad hoc basis with the Justice Department and prudential regulators to coordinate the Bureau's fair lending work.