Documents

Residential Property Assessed Clean Energy Financing (Regulation Z)

Federal Register · Rule · Jan 10, 2025

for Property Assessed Clean Energy (PACE) financing and to apply the civil liability provisions of the Truth in Lending Act (TILA) for violations. … Summary of the Final Rule Section 307 of the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA) directs the CFPB to prescribe ability-to-repay rules for Property Assessed Clean

Agency Contact Information; Technical Corrections

Federal Register · Rule · Aug 25, 2023

Act Summary of Consumer Rights in appendix K to Regulation V, and a Bureau website address where the public may access certain APR tables referenced in comment appendix J-2 to Regulation Z. … Volume I of the tables may be used for credit transactions involving equal payment amounts and periods, as well as for transactions involving any of the following irregularities: odd first period, odd

Enforcement of Nondiscrimination on the Basis of Disability in Programs and Activities Conducted by the Bureau of Consumer Financial Protection

Federal Register · Rule · Aug 6, 2012

(c) Time period for compliance. … The Bureau may extend this time period for good cause.

Agency Contact Information

Federal Register · Rule · Mar 20, 2023

Procedural Requirements Under the Administrative Procedure Act, notice and opportunity for public comment are not required if the Bureau finds for good cause that notice and public comment are impracticable … Volume I of the tables may be used for credit transactions involving equal payment amounts and periods, as well as for transactions involving any of the following irregularities: odd first period, odd

Consumer Leasing (Regulation M)

Federal Register · Rule · Dec 19, 2011

Authority To Issue an Interim Final Rule Without Prior Notice and Comment The Administrative Procedure Act (APA)  12 generally requires public notice and an opportunity to comment before promulgation … See comment 2(e)-9.

Bulletin 2022-01: Medical Debt Collection and Consumer Reporting Requirements in Connection With the No Surprises Act

Federal Register · Rule · Jan 20, 2022

ambulance services from nonparticipating providers of air ambulance services. 4 In addition, the No Surprises Act, among other things, requires certain health care facilities and providers to disclose … Regulatory Matters This Bulletin constitutes a general statement of policy exempt from the notice and comment rulemaking requirements of the Administrative Procedure Act. 20 It summarizes existing

Consumer Financial Civil Penalty Fund

Federal Register · Rule · May 7, 2013

Pursuant to 5 U.S.C. 553(a)(2), this rule is therefore exempt from the notice and comment rulemaking requirements of the Administrative Procedure Act (APA). … It is therefore also exempt from the APA's notice and comment rulemaking requirements pursuant to 5 U.S.C. 553(b).

Procedural Rule To Establish Supervisory Authority Over Certain Nonbank Covered Persons Based on Risk Determination

Federal Register · Rule · Jul 3, 2013

Taking a different view, one commenter asserted that the two-year period was not long enough because the Bureau might only finish one examination cycle within the two-year period. … In computing any period of time prescribed by this part, or by order of the Associate Director or Director, the date of the act or event that commences the designated period of time is not included.

Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)

Federal Register · Rule · Jan 14, 2025

Assessed Clean Energy (PACE) financing. … section 412] shall take effect at the end of the 15-month period beginning on the date of enactment of this Act.”  190 185  FACT Act section 412, 117 Stat. 2002-03. 186  FACT Act

Interstate Land Sales Registration Program (Regulations J, K, and L)

Federal Register · Rule · Dec 21, 2011

Authority To Issue an Interim Final Rule Without Prior Notice and Comment The Administrative Procedure Act (APA)  7 generally requires public notice and an opportunity to comment before promulgation … by operation of State law or the Act, that period becomes the Federal revocation period and the contract or agreement must reflect the longer period, rather than the seven days.

Statement of Policy Regarding Prohibition on Abusive Acts or Practices

Federal Register · Rule · Apr 12, 2023

Comments must be received by July 3, 2023. ADDRESSES: You may submit comments, identified by Docket No. … Because paper mail in the Washington, DC area and at the CFPB is subject to delay, commenters are encouraged to submit comments electronically.

Consumer Financial Protection Circular 2024-07: Design, Marketing, and Administration of Credit Card Rewards Programs

Federal Register · Rule · Dec 30, 2024

ADDRESSES: Enforcers, and the broader public, can provide feedback and comments to Circulars@cfpb.gov. … (MileagePlus program can “adjust[ ] award pricing based on expected foregone revenue for United”), https://ir.united.com/static-files/1c0f0c79-23ca-4fd2-80c1-cf975348bab9; Delta Airlines, Delta Air

Limited Applicability of Consumer Financial Protection Act's “Time or Space” Exception With Respect to Digital Marketing Providers

Federal Register · Rule · Aug 17, 2022

Such contextual advertisements more closely resemble traditional ads users might find in other spaces—such as an ad for a sporting goods store aired during a televised basketball match or a print clothing … As an interpretive rule, this rule is exempt from the notice-and-comment rulemaking requirements of the Administrative Procedure Act. 29 Because no notice of proposed rulemaking is required, the Regulatory

Equal Credit Opportunity (Regulation B)

Federal Register · Rule · Dec 21, 2011

Authority To Issue an Interim Final Rule Without Prior Notice and Comment The Administrative Procedure Act (APA)  12 generally requires public notice and an opportunity to comment before promulgation … Request for Comment Although notice and comment rulemaking procedures are not required, the Bureau invites comments on this notice.

Rules of Practice for Adjudication Proceedings

Federal Register · Rule · Jun 29, 2012

The Bureau promulgated the Interim Final Rule with a request for comment at 76 FR 45338. The comment period on the Interim Final Rule ended on September 26, 2011. … In computing any period of time prescribed by this part, by order of the Director or a hearing officer, or by any applicable statute, the date of the act or event that commences the designated period of

Ability-to-Repay and Qualified Mortgage Standards Under the Truth in Lending Act (Regulation Z)

Federal Register · Rule · Jan 30, 2013

The Board stated that a six-month “clean” payment record indicates a reasonable level of financial stability on the part of the consumer applying for a refinancing. … The reopened comment period solicited comment specifically on new data and information obtained from the Federal Housing Finance Agency (FHFA) after the close of the original comment period.

Qualified Mortgage Definition Under the Truth in Lending Act (Regulation Z): Seasoned QM Loan Definition

Federal Register · Rule · Dec 29, 2020

Dodd-Frank Act Amendments to the Truth in Lending Act The Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act)  3 amended the Truth in Lending Act (TILA)  4 to establish … Dodd-Frank Act Dodd-Frank Act section 1022(b).

Mortgage Servicing Rules Under the Truth in Lending Act (Regulation Z)

Federal Register · Rule · Mar 12, 2018

The commenter stated that this could be particularly problematic if the servicer provides a standard periodic statement to a consumer who has recently filed for bankruptcy, instead of a periodic statement … e)(5)(iv). 17  After the close of the comment period, the Bureau received additional feedback related to the effective date of all the provisions relating to bankruptcy periodic statements in the

Mortgage Servicing Rules Under the Truth in Lending Act (Regulation Z)

Federal Register · Rule · Feb 14, 2013

One commenter suggested this should be addressed by amending the E-Sign Act. … However, the Bureau did receive comment on the more general consideration of certain costs in the proposed Dodd-Frank Act section 1022 analysis, this comment is addressed in the final Dodd-Frank Act section

Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)

Federal Register · Rule · May 1, 2026

The Bureau received approximately 410 comments on the proposal during the comment period. … Comment Period Comments In the NPRM, the Bureau provided a 30-day comment period for the public to review and submit feedback on the proposed revisions to the section 1071 regulatory framework.