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, which is searchable by docket number and other means.

Send a copy of your comments to Congress here!

NCLC 2021 Federal Priorities

Surprise Medical Bills

  • Dec. 6, 2021 deadline to comment on interim final rules by HHS implementing the No Surprises Act to address surprise medical bills.

Interagency Guidance on Third-Party Relationships

Fed Faster Payment Rules

Financial Institutions’ use of Cryptocurrency

  • July 16, 2021 deadline to respond to request for information from the FDIC on current and potential digital asset (cryptocurrency) use cases involving financial institutions and their affiliates.

Access to Fed Accounts and Services

  • July 12, 2021 deadline to submit comments on proposed guidelines for the Federal Reserve Board to evaluate access by banks and other entities to Federal Reserve master accounts and other services. Group Comments.

Financial Institutions’ AI Usage

Dark Patterns

  • May 29, 2021 deadline to respond to the FTC’s request for comments on Dark Patterns topics ahead of their Bringing Dark Patterns to Light workshop.

Activities by Credit Union Subsidiaries

  • Mar. 29, 2021 deadline to respond to proposed rule by National Credit Union Administration expanding the permissible activities and services for credit union subsidiaries to include originating any type of loan that a Federal credit union (FCU) may originate. Joint Comments.

Priorities for New CA Dept. of Financial Protection and Innovation

SSA Use of Equifax Data for Payroll Information

Federal Reserve Board Community Reinvestment Act Regulations

Overdraft Fees by Federal Credit Unions

Consumer Access to Financial Records

Fair Access to Financial Services

State Regulation of Nonbank Mortgage Servicers

Payday Loan Disclosures

  • Dec. 14, 2020 deadline to respond to CFPB’s request for comments on its plan to collect information for payday loan disclosure testing. Consumer comments.

Equal Credit Opportunity Act

  • Dec. 1, 2020 deadline to response to CFPB request for information on opportunities to prevent credit discrimination, encourage responsible innovation, promote fair, equitable, and nondiscriminatory access to credit, address potential regulatory uncertainty, and develop viable solutions to regulatory compliance challenges under the Equal Credit Opportunity Act (ECOA) and Regulation B. Group Comments.

CDFI Certification

  • Nov. 5, 2020 extended deadline to respond to proposed changes by the Treasury Department CDFI Fund to the CDFI Certification Application. Group Comments.

Dept. of Education Rulemaking and Guidance Procedures

Credit Cards

Dodd-Frank Mortgage Ability-to-Repay Rule on the Qualified Mortgage

  • Oct. 1, 2020 deadline to comment on the CFPB’s proposed rule expanding the Dodd-Frank Ability to Repay rule for Qualified Mortgages to presume that a loan receives a safe harbor if it performs for three years and meets certain additional requirements. NCLC-CFA long comments. Short comments
  • Sept. 8, 2020 deadline to comment on the CFPB’s proposed rule changing the Dodd-Frank Ability to Repay rule for Qualified Mortgages by replacing the current debt-to-income ratio threshold with a pricing-based threshold. NCLC, CFA and Prosperity Now long comments; Coalition shorter comments with terms sheet.
  • Aug. 10, 2020 deadline to comment on the CFPB’s proposed rule regarding the extension of the sunset date for the Dodd-Frank Ability to Repay rule Qualified Mortgage patch for GSE loans. Comments submitted by NCLC and Consumer Federation of America.

FDIC Certification of Bank Fintech Partners

  • Sept. 22, 2020 deadline to respond to FDIC Request for Information on Standard Setting and Voluntary Certification for Models and Third-Party Providers of Technology and Other Services. Comments submitted by NCLC and the Center for Responsible Lending.

CDFI Small Dollar Loan Program

  • Sept. 10, 2020 deadline to respond to Treasury Department CDFI Fund Request for Information: Small Dollar Loan Program on criteria for grants for Loan Loss Reserves and Technical Assistance (TA) to enable Certified CDFIs to establish and maintain small dollar loan programs. Consumer comments.

Interest Rate Preemption and the “True Lender”

CFPB Advisory Opinions

CFPB Debt Collection Rules

Bank Use of Digital Technology and Innovation

FDIC Insurance for Industrial Loan Companies

  • July 1, 2020 extended deadline to comment on FDIC’s proposed a rule governing deposit insurance applications for industrial loan companies. Group comments opposing proposal.

CFPB Taskforce on Federal Consumer Financial Law

Regulatory Enforcement and Adjudication

  • March 16, 2020 deadline comment on request for information by the Office of Management and Budget on improving and/or reforming regulatory enforcement and adjudication and ensuring adequate due process in regulatory enforcement and adjudication.

Community Reinvestment Act

  • March 9, 2020 deadline to submit comments on proposed amendments to regulations implementing the Community Reinvestment Act. NCLC comments.

Rent-a-Bank Lending

CFPB Mortgage Disclosures

Fed Faster Payment System

Model Money Services Businesses Language

  • Nov. 1, 2019 deadline to comment on model language for state money services businesses laws drafted by the Conference of State Bank Supervisors. Consumer comments.

HUD Disparate Impact Rules

  • Oct. 18, 2019 deadline to comment on HUD proposal to change the disparate impact standard under the Fair Housing Act. Consumer Comments.

Same-Day ACH Payments

  • July 15, 2019 deadline to submit comments on proposal by the Federal Reserve to allow submission of same-day ACH payments later in the day. Consumer comments.

CFPB Plan for Review of CFPB Rules

Overdraft Fee Rules

OCC Innovation Pilot Program

Credit Cards

Payday Loans

PACE (Property Assessed Clean Energy) Loans

  • March 16, 2020 deadline to respond to FHFA’s request for public input on additional steps  to deal with the “continued threat” that PACE loans pose to homeowners and the housing finance system.
  • May 7, 2019 deadline to respond to the CFPB’s request for information on residential PACE financing.

State Model Payments Law

  • April 20, 2019 deadline to respond to request for information from the Conference of State Bank Supervisors on issues related to state money transmission and payments regulation as regulators begin work on model legislation to introduce in all 50 states based on recommendations from their industry advisory panel.

VA Mortgages

CFPB No Action Letters and Product Sandbox

Identity Theft

  • Feb. 11, 2019 deadline to respond to the FTC’s request for comment on identity theft detection rules.

Availability of Funds and Collection of Checks

  • Feb. 8, 2019 deadline to respond to request for comments by the CFPB and Federal Reserve Board on amendments to the regulations under the Expedited Funds Availability Act regarding the timing of access to funds deposited into accounts. Consumer comments.

Mortgage Appraisals

  • Feb. 5, 2019 deadline to comment on the agencies’ (OCC, Board, and FDIC) proposed rule to amend the regulations requiring appraisals for certain real estate-related transactions. Consumer comments.

Bank Small Dollar Loans

Military Credit Monitoring

  • January 7, 2019 deadline to comment on FTC’s  proposed rule to require the nationwide consumer reporting agencies to provide free electronic credit monitoring services for active duty military consumers. You may file a comment online here or here, or on paper. Group comments.

Rulemakings Archive