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!

Rent-a-Bank Lending

Feb. 4, 2020 deadline to comment on similar proposed rule from the FDIC.
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.

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.

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.

CFPB Debt Collection Rules

Sept. 18, 2019 deadline to comment on proposed CFPB debt collection rules. NCLC and consumer groups comments and shorter coalition 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.

CFPB Sources and Use of Data

Dec. 27, 2018 deadline to respond to the CFPB’s request for information on the consumer bureau’s sources and use of data. File comments here or to FederalRegisterComments@cfpb.gov: Consumer comments.

Faster Payments

Dec. 14, 2018 deadline to comment on potential actions by the Federal Reserve Board to create a real time payment system. Consumer comments.

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

July 16, 2018 deadline to respond to request for comment to assist the Bureau in assessing its handling of consumer complaints and consumer inquiries. Coalition comments.

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

June 25, 2018 deadline to respond to request for comment to assist the Bureau should amend the regulations or exercise the rulemaking authorities that it inherited from certain other Federal agencies. Overreaching coalition comments, More detailed comments on Regulation E, overdraft fees and bank accounts issues, Fair lending, Electronic communications, Property Assessed Clean Energy (PACE) loans and Regulation Z (TILA), X (RESPA) and FTC mortgage rules

CFPB’s Adopted Regulations

June 19, 2018 deadline to respond to request for comment to assist the Bureau in considering whether the Bureau should amend those rules it has promulgated since its creation or issue certain new rules. Overarching coalition comments || More detailed comments covering mortgage, prepaid account, remittances and credit card regulations, and upcoming debt collection regulations.

PACE Mortgage Loans

June 8, 2018 deadline to comment on draft California regulations on Property Assessed Clean Energy (PACE) loans

CFPB Rule Making Processes

June 7, 2018 deadline to respond to request for comment to assist the Bureau in assessing the overall efficiency and effectiveness of its rulemaking processes. Consumer comments and Shorter coalition comments

CFPB Consumer Complaint Information

June 4, 2018 deadline to respond to CFPB request for information on the Consumer Bureau’s public reporting practices of consumer complaint information. Consumer comments.

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

May 21, 2018 deadline to request for comment on the overall efficiency and effectiveness of the CFPB’s Supervision Program whether any changes to the program would be appropriate. Detailed comments of consumer groups and shorter coalition comments

CFPB’s Enforcement Processes

May 14, 2018 deadline to respond to CFPB request for information about the efficiency and effectiveness of its processes related to the enforcement of Federal consumer financial law. Consumer comments and Shorter coalition comments

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

April 26, 2018 deadline to submit comments in response to request for information about the CFPB’s civil investigation demands and processes. Coalition comments || Longer consumer comments, April 23, 2018

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.