The following rulemakings are outstanding. Some agencies may accept comments after the deadline. For completed regulatory comments in a particular subject area, visit the appropriate Issues page or Regulatory Reform and Consumer Financial Protection Bureau.
All of the CFPB's requests for comment can be viewed here. All agencies' open rulemakings, and submitted comments, can be viewed at http://www.regulations.gov, which is searchable by docket number and other means.
February 10, 2014 deadline to submit comments to the CFPB on how it should regulate debt collectors. Advocates respond here, consumers may respond here.
January 13, 2014 deadline to comment on proposed rules by NACHA imposing greater obligations on banks, payment processors and merchants to scrutinize the payments they originate and process.
U.S. Payment System
December 13, 2013 deadline to submit comments to the Federal Reserve Board on how to improve the U.S. Payment System.
Mortgage Statements and Other Amendments
November 22, 2013 deadline to file comments on CFPB's rule amending provisions in the 2013 Mortgage Rules Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z), 78 Fed. Reg. 62993 (October 23, 2013), including a periodic statement exemption for borrowers in bankruptcy and clarified pre-counseling disclosures for high-cost loans.
Telephone Bill Cramming
November 18, 2013 deadline to file comments on FCC's proposed rule Empowering Consumers To Prevent and Detect Billing for Unauthorized Charges (''Cramming''), 78 Fed. Reg. 61250 (October 3, 3013).
October 31, 2013 deadline to respond to Department of the Treasury's request for comments, 78 Fed. Reg. 60376 (October 1, 2013), on their information collection titled, ''Reverse Mortgage Products: Guidance for Managing Compliance and Reputation Risks.''
FHA Guaranteed Mortgages
October 30, 2013 deadline to submit comments on HUD's proposed rules on its definition of "qualified mortgage" for insured and guaranteed single family mortgages, 78 Fed. Reg. 59890 (September 30, 2013).
Remotely Created Checks, Deposits to Prepaid Cards and Mobile Deposits
September 18, 2013 comments to the Fed and CFPB on amendments to Regulation CC.
Military Small Dollar Loans
August 1, 2013 deadline to respond to DOD request for comments, 78 Fed. Reg. 36134 (June 17, 2013), RIN 0790-Aj10, on updates needed to military small dollar loan protections. Coalition comments.
Remotely Created Checks and Payment Orders
August 8, 2013 deadline to respond to proposed rules by the FTC banning certain forms of payment in connection with telemarketing sales. NCLC Comments. Coalition Comments.
July 22, 2013 deadline to respond to CFPB request for comments, 78 Fed. Reg. 39902 (July 2, 2013), RIN 3170-AA37, on proposed amendments to several mortgage rules concerning loss mitigation procedures, qualified mortgage rules, and exemptions for creditors in rural and underserved areas.
Consumer Financial Civil Penalty Fund
July 8, 2013 deadline to comment on CFPB's proposed rule creating the Consumer Financial Civil Penalty Fund to compensate victims and fund consumer education activities
Bank Payday Loans
May 30, 2013 deadline to comment on proposed guidances from the OCC and FDIC addressing concerns about bank payday loan. Consumer Coalition Comments. NCLC comments on prepaid card payday loans.
Student Loan Servicing
May 28, 2013 deadline to comment on CFPB's proposed rule Defining Larger Participants of the Student Loan Servicing Market for purposes of supervision.
Delay of Loan Compensation Rules
May 25, 2013 deadline to comment on CFPB's proposed rule delaying the restriction of loan originator compensation until June 1, 2013.
May 6, 2013 NCLC comments supporting collection of data on overdraft, monthly and ATM fees
Student Loan Disability Discharges
May 3, 2013 deadline to comment on Department of Education's total and permanent disability discharge form for student loan borrowers. NCLC Comments.
Private Student Loan Repayment Options
April 8, 2013 deadline to submit comments to the CFPB on ideas to expand repayment options available to private student loan borrowers, including modifications and refinancing. NCLC Comments. Shorter Coalition Comments.
Financial Products Marketed to College Students
March 18, 2013 deadline to submit comments to the CFPB about financial products and services marketed to higher education students and how partnerships between schools and financial institutions can promote positive financial decisionmaking. NCLC comments.
Used Car Rule
March 13, 2013 deadline to submit comments to the FTC on proposed changes to the required "Buyer's Guide" disclosures for used car sales. NCLC Comments.
Door-to-Door Sales Rule
March 4, 2013 deadline to comment on FTC's proposal to increase from $25 to $130 the trigger for right to cancel a door-to-door sales contract.
Feb. 25, 2013 deadline to submit comments to the CFPB about the proposal to revise ability-to-pay standards for mortgages. The CFPB is soliciting comment specifically on loan originator compensation related to ability-to-pay and a number of exemptions from the new standards. Model comment letter. NCLC Comments.
Feb. 19, 2013 deadline to submit comments to the CFPB about the credit card market and the impact of the Credit CARD Act of 2009. NCLC Comments
CFPB Trial Disclosures
Feb. 15, 2013 deadline to submit comments to the CFPB about its proposal to waive disclosure requirements for companies engaged in pilot programs to test new forms of disclosures.
Tax liability for discharged debt
March 4, 2013 deadline to submit comments to the IRS on whether governmental and certain financial entities should issue a Form 1099-C when debt is no longer being collected.
Jan. 15 and 30, 2013 deadline to comment on CFPB's proposed amendments to its remittance rules. Comments on the proposed delay of the effective date for the remittance rules are due January 15. Comments on the proposed rule on disclosure of fees and taxes, and liability for errors, are due January 30. NCLC Comments.
Credit Cards and Household Income
January 7, 2013 deadline to comment on proposed CFPB rules amending ability-to-pay requirements to permit consideration of household income. NCLC Comments.
FDIC Underbanked Survey
Dec. 18, 2012 deadline to comment on survey that will be conducted in 2013 to identify efforts by financial institutions to reach underbanked, factors that impede access to bank accounts, and the size of the unbanked market.