Regulations

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

Aug. 4, 2020 deadline to comment on proposed supplemental CFPB debt collection rules re: disclosures on time-barred debt.
Sept. 18, 2019 deadline to comment on proposed CFPB debt collection rules. NCLC and consumer groups comments and shorter coalition comments.

Bank Use of Digital Technology and Innovation

Aug. 3, 2020 deadline to respond to OCC request for comment on advance notice of proposed rulemaking on banking issues related to digital technology and innovation.

FDIC Insurance for Industrial Loan Companies

June 1, 2020 deadline to comment on the request for information from the CFPB Taskforce on Federal Consumer Financial Law. Consumer comments.
July 1, 2020 extended deadline to comment on FDIC’s proposed a rule governing deposit insurance applications for industrial loan companies.

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

Feb. 4, 2020 deadline to comment on similar proposed rule from the FDIC. Group long comments. Short comments.
Jan. 21, 2020 deadline to comment on a proposed rule from the OCC allowing a bank to immediately sell a loan to a state-regulated entity that may continue to charge the contract rate despite state law. Coalition comments and Consumer and Civil Rights Groups long comments.

CFPB Mortgage Disclosures

January 21, 2020 deadline to respond for CFPB’s request for comments on its plan for assessing the TILA/RESPA Integrated Disclosure (TRID) rule. Consumer comments.

Fed Faster Payment System

Nov. 7, 2019 deadline to comment on the Federal Reserve Board’s proposal to develop a new interbank real-time faster payment service. Consumer and broader coalition comments.

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

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

July 1, 2019 deadline to respond to CFPB’s request for information on review of Regulation E overdraft fee rules. Consumer and civil-rights coalition opposition letter.

OCC Innovation Pilot Program

June 14, 2019 deadline to submit comments on the Innovation Pilot Program proposed by the OCC. Comments can be submitted to pilotprogram@occ.treas.gov. Consumer comments.

Payday Loans

March 18, 2019 deadline to comment on proposed 15-month extension of compliance date for CFPB payday loan rule. Group comments opposing and Group longer comments.
May 15, 2019 deadline to comment on CFPB’s proposal to remove ability-to-repay provisions of payday loan rule. Group comments and shorter comments.

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.

Credit Cards

May 1, 2019 deadline to respond to CFPB’s request for information on the credit card market.

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

February 15, 2019 deadline to file comments on the VA’s interim final rule on when the VA loan program can be used to refinance an existing mortgage. Consumer comments.

CFPB No Action Letters and Product Sandbox

Feb. 11, 2019 deadline to comment on the CFPB’s proposed policy on no-action letters and a Product Sandbox. More information here. NCLC and coalition comments.

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

Jan. 22, 2019 deadline to respond to FDIC’s request for information about the regulation of bank small dollar loans. Coalition and longer consumer comments.

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.