Rulemakings

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.

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 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.

Bank Fees

 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.

Mortgages

 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.

Credit Cards

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.

Remittances

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.

Rulemakings Archive