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!

Small Business Lending

Prepaid Accounts

Nursing Home Arbitration Agreements

  • Aug. 7, 2017 deadline to comment on proposal by CMS to rescind rule barring forced arbitration clauses in nursing home contracts.

Altered and Forged Checks

  • Aug. 1, 2017 deadline to comment on proposed rule by the Federal Reserve Board on the treatment of disputed checks.

Reducing Regulations

  • July 31, 2017 deadline to comment to the Treasury Department on regulations that can be eliminated, modified, or streamlined in order to reduce burdens in order to implement President Trump's directive to eliminate 2 regulations for every 1 new one.

Ability to Repay/Qualified Mortgage Rule

  • July 31 2017 deadline to submit comments to the CFPB on its assessment of the Ability to Repay/Qualified Mortgage Rule. Group Comments.

Gainful Employment, Student Loan Borrower Defense and Arbitration Rules

  • July 12, 2017 deadline to comment to the Department of Education on two negotiated rulemakings to revise gainful employment regulations and rules adopting procedures to give borrowers defenses to repayment of students loans for fraudulent schools and prohibiting forced arbitration clauses.

Mortgage Servicing

  • July 10, 2017 deadline to comment to the CFPB on its assessment of the Mortgage Servicing Rules under the Real Estate Settlement Procedures Act. Group Comments.

VA Mortgage Loans

  • June 12, 2017 deadline to comment on Loan Guaranty: Revisions to Allowable Charges and Fees Assessed Incident to VA-Guaranteed Home LoansConsumer comments

Campus Debit Cards

Credit Cards

Remittance Rule

  • May 23, 2017 deadline to submit comments to CFPB on assessment of international remittances rule. Consumer comments.

Consumer Remittance Transfer

Alternative Data

Ethnicity and Race Information Collection

  • May 25, 2017 deadline to submit comments to the CFPB on proposed amendments to regulations under the Home Mortgage Disclosure Act regarding data reporting || Consumer Comments
  • May 4, 2017 deadline to submit comments to the CFPB on proposed amendments to Equal Credit Opportunity Act (Regulation B) regarding ethnicity and race Information collection. Consumer Comments

OCC Fintech Charter Applications

Prepaid Cards

Consumer Access to Own Financial Records

Cyber security

  • Feb. 17, 2017 deadline to respond to advance notice of proposed rulemaking by OCC, FDIC and Fed on cyber risk management standards (enhanced standards) for large and interconnected entities under their supervision and those entities’ service providers.

Executive Order Reducing Regulations

  • Feb. 13, 2017 Comment and letter to OMB on executive order on "Reducing Regulation and Controlling Regulatory Costs"

OCC Fintech National Bank Charter

  • Jan. 15, 2017 to comment on OCC white paper about a special purpose national bank charter for fintech companies. Comments should be submitted to This email address is being protected from spambots. You need JavaScript enabled to view it.. NCLC commentsShort coalition comments.

Framework for new OCC chartered nonbank entities that fail

  • Nov. 14, 2016 deadline to respond to proposed rule by the OCC to implement a framework for receivership of an "uninsured bank" (i.e., a nonbank that is granted an OCC charter under a new regime the OCC is considering). Consumer Comments. Press release.

Payday and Installment Loans

  • November 7, 2016 deadline to respond to the CFPB's Request for Information about practices involving practices and loans not addressed in the proposed rule governing payday, installment and auto title loans. Consumer comments.
  • October 7, 2016 deadline to comment on proposed rule to regulate payday and installment loans. Group comments.

Standards for Safeguarding Customer Information

  • November 7, 2016 deadline to respond to the FTC request for comments on its Standards for Safeguarding Customer Information (‘‘Safeguards Rule’’ or ‘‘Rule’’).

Rent-a-Bank Partnerships

Mortgage Disclosures

  • Oct. 18, 2016 deadline to comment on various CFPB proposed amendments to mortgage disclosure requirements under the Real Estate Settlement Procedures Act and the Truth in Lending Act that are implemented in Regulation Z. Group Comments.

Broadband Privacy

Student Loan Debt and Arbitration Clauses

Mortgage Disclosure Rate

Arbitration and Class Actions Bans

FFIEC Consumer Compliance Rating System

  • July 5, 2016 deadline to comment on proposed Uniform Interagency Consumer Compliance Rating System to be used by federal bank examiners.  Consumer comments.

Financial Innovation

  • May 31, 2016 deadline to submit comments responding to the OCC's white paper about how to support responsible financing innovation.
  • Consumer comments and exhibits.

E-Warranties

  • June 17, 2016 deadline to comment on rules proposed by the FTC permitting warranties to be posted online.

Mobile Financial Services and Economic Inclusion

  • June 15, 2016 deadline to comment to FDIC on its plans for exploring the economic inclusion potential of mobile financial services.

Arbitration Clauses in Internet Contracts

  • May 26, 2016 deadline to respond to FCC's request for comment on whether it should ban forced arbitration clauses in internet broadband contracts. Consumer comments.

Regulatory Review (mortgage appraisals, interchange fees)

FTC Holder Rule

  • Feb. 12, 2016 deadline to file comments for the FTC's review of the holder rule, which protects car buyers, students and others from fraudulent practices in credit sales. Consumer comments.

Rulemakings Archive