Regulations

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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.

Send a copy of your comments to Congress here!

CFPB Debt Collection Rules

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

  • July 15, 2019 deadline to respond to the CFPB’s request for comment on its plan to review rules under the Regulatory Flexibility Act.

Overdraft Fee Rules

OCC Innovation Pilot Program

Payday Loans

PACE

Credit Cards

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.

CFPB Sources and Use of Data

Faster Payments

Community Reinvestment Act

  • Nov. 19, 2018 deadline to comment on advance notice of proposed rulemaking by the Office of the Comptroller of the Currency on a new framework to implement the Community Reinvestment Act. Consumer comments.

CFPB Global Financial Innovation Network

  • Oct. 14, 2018 deadline to provide feedback on draft consultation document issued by CFPB for initiative to create a Global Financial Innovation Network.

CFPB Trial Disclosures

  • Oct. 10, 2018 deadline to comment on proposed CFPB policy guidance to encourage trial disclosure programs. Short consumer opposition comments. Longer comments.

Unfair and Deceptive Acts and Practices

  • August 20, 2018 deadline to respond to the Federal Trade Commission request for comments on Topic 10 regarding hearings on competition and consumer protection in the 21st century.
  • August 20, 2018 deadline to respond to the Federal Trade Commission request for comments on Topic 11 regarding hearings on competition and consumer protection in the 21st century.

Credit Union Small Dollar Loans

  • August 3, 2018 deadline to respond to the NCUA Board request for comments regarding its proposal to amend NCUA’s general lending rule to provide federal credit unions (FCUs) with an additional option to offer payday alternative loans (PALs). Coalition comments.

CFPB Consumer Complaints and Inquiries

CFPB Financial Education Programs

  • July 9, 2018 deadline to respond to request for comment to assist the Bureau in assessing the overall efficiency and effectiveness of its consumer financial education programs. Coalition comments.

CFPB Guidance Materials

  • July 2, 2018 deadline to respond to request for comment to assist the Bureau in assessing the overall effectiveness and accessibility of its guidance materials and activities to members of the general public, including regulated entities. Coalition comments.

CFPB Inherited Regulations

CFPB’s Adopted Regulations

PACE Mortgage Loans

CFPB Rule Making Processes

CFPB Consumer Complaint Information

CFPB External Engagements

  • May 29, 2018 deadline to respond to request for comment on the CFPB’s public and non-public external engagements, including but not limited to field hearings, town halls, roundtables, and meetings of the Advisory Board and Councils. Consumer coalition comments.

CFPB Supervision Program

CFPB’s Enforcement Processes

CFPB’s Administrative Adjudications

  • May 7, 2018 deadline to respond to request for information on the CFPB’s rules of practice for adjudication proceedings.

CFPB’s College Credit Card Database

  • April 30, 2018 deadline to respond to the CFPB’s request for comment on its information collection on consumer and college credit card agreements.

CFPB’s Civil Investigative Demands

Credit Scores

  • Feb. 18, 2018 deadline to respond to CFPB request for information about about consumers’ experience with free access to credit scores. Consumer groups’ comments.

Fair Housing Act

  • Jan. 26, 2018 comments on HUD’s Implementation of the Fair Housing Act’s Discriminatory
    Effects Standard.

Electronic Payments

  • Jan. 26, 2018 deadline to respond to request for comments from NACHA on expanding same day ACH payments and credits. Feb. 23, 2018 deadline to request to request for comments on interest in ACH processing on weekends and holidays.

Rulemakings Archive

 

 

2019-07-23T12:20:31-05:00