BUREAU OF CONSUMER FINANCIAL PROTECTION 

12 CFR CH. X 

Semiannual Regulatory Agenda 

AGENCY: Bureau of Consumer Financial Protection. 

ACTION: Semiannual regulatory agenda. 

SUMMARY: The Bureau of Consumer Financial Protection (CFPB) is publishing this agenda as part of 

the Fall 2013 Unified Agenda of Federal Regulatory and Deregulatory Actions. The CFPB reasonably 

anticipates having the regulatory matters identified below under consideration during the period from 

November 1, 2013 to October 31, 2014. The next agenda will be published in the spring of 2014 and will 

update this agenda through the spring of 2014. Publication of this agenda is in accordance with the 

Regulatory Flexibility Act (5 U.S.C. 601 et seq.). 

DATES: This information is current as of September 6, 2013. 

ADDRESS: Bureau of Consumer Financial Protection, 1700 G Street NW., Washington, DC 20552. 

FOR FURTHER INFORMATION CONTACT: A staff contact is included for each regulatory item listed 

herein. 

SUPPLEMENTARY INFORMATION: The CFPB is publishing its fall 2013 agenda as part of the Fall 

2013 Unified Agenda of Federal Regulatory and Deregulatory Actions, which is coordinated by the Office 

of Management and Budget under Executive Order 12866. The CFPB’s participation in the Unified 

Agenda is voluntary. The complete Unified Agenda will be available to the public at the following website: 

http://www.reginfo.gov. 

Pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111-

203, 124 Stat. 1376 (Dodd-Frank Act), the CFPB has rulemaking, supervisory, enforcement, and other 

authorities relating to consumer financial products and services. These authorities include the ability to 

issue regulations under more than a dozen Federal consumer financial laws, which transferred to the 

CFPB from seven Federal agencies on July 21, 2011. The CFPB also is working on a wide range of 

initiatives to address issues in markets for consumer financial products and services that are not reflected 

in this notice because the Unified Agenda is limited to rulemaking activities. 

Regulations.gov Tuesday, November 26, 2013 Unified Agenda

1
The CFPB reasonably anticipates having the regulatory matters identified below under 

consideration during the period from November 1, 2013 to October 31, 2014.1

 Among the Bureau’s more 

significant regulatory efforts are the following. 

Implementing Dodd-Frank Act Mortgage Protections 

First, the CFPB is continuing its regulatory efforts to implement critical consumer protections 

under the Dodd-Frank Act. For instance, the Bureau expects to issue, in the near future, a final rule 

combining several disclosures that consumers receive in connection with applying for and closing on a 

mortgage loan under the Truth in Lending Act and the Real Estate Settlement Procedures Act, increasing 

consumer understanding of mortgage transactions and facilitating industry compliance. 

The Bureau is also continuing rulemaking activities to assist in the full implementation of, and 

facilitate compliance with, various mortgage-related final rules issued by the Bureau in January 2013 

strengthening consumer protections involving the origination and servicing of mortgages. Most of these 

rules, implementing requirements under the Dodd-Frank Act, will take effect in January 2014. Over the 

last several months, the Bureau has issued several clarifications and revisions to address interpretive 

issues and facilitate compliance with the new requirements. After the effective date, the Bureau is 

planning to engage in a further rulemaking to consider certain additional refinements to these rules. 

The Bureau is also participating in a series of interagency rulemakings under the Dodd-Frank Act 

relating to mortgage appraisals. 

In addition, the Bureau has begun work in preparation to implement Dodd-Frank Act amendments 

to the Home Mortgage Disclosure Act (HMDA) that require supplementation of existing data reporting 

requirements regarding housing-related loans and applications for such loans. 

Bureau Regulatory Efforts in Other Consumer Markets 

 

1 The listing does not include certain routine, frequent, or administrative matters. Further, certain of the information 

fields for the listing are not applicable to independent regulatory agencies, including the CFPB, and, accordingly, the 

CFPB has indicated responses of “no” for such fields.

Regulations.gov Tuesday, November 26, 2013 Unified Agenda

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Second, the CFPB is working on and considering a number of rulemakings to address important 

consumer protection issues in other markets for consumer financial products and services. For instance, 

the Bureau is planning to issue an Advance Notice of Proposed Rulemaking on debt collection, and has 

been engaged in extensive research and analysis concerning payday loans, deposit advance products, 

and bank overdraft programs, building on Bureau white papers issued in April and June 2013. 

The Bureau is also continuing work on a number of earlier initiatives concerning consumer 

payment services. For instance, following on an earlier Advance Notice of Proposed Rulemaking 

concerning general purpose reloadable prepaid cards, the Bureau expects to issue a Notice of Proposed 

Rulemaking concerning prepaid cards in mid-2014. The Bureau also expects early next year to begin 

work on an additional rulemaking to consider whether to extend the sunset of a provision of the DoddFrank Act allowing depository institutions to estimate certain items on disclosures concerning consumer 

remittance transfers to foreign countries. 

Third, the Bureau is continuing rulemaking activities that will further establish the Bureau’s 

nonbank supervisory authority by defining larger participants of certain markets for consumer financial 

products and services. Larger participants of such markets, as the Bureau defines by rule, are subject to 

the Bureau’s supervisory authority. 

Bureau Regulatory Streamlining Efforts 

Fourth, the Bureau is continuing work to consider opportunities to modernize and streamline 

regulations that it inherited from other agencies pursuant to a transfer of rulemaking authority under the 

Dodd-Frank Act. This work includes completing the consolidation and streamlining of Federal mortgage 

disclosure forms discussed earlier, and exploring opportunities to reduce unwarranted regulatory burden 

as part of the HMDA rulemaking. The Bureau is also expecting to issue a Notice of Proposed 

Rulemaking in 2014 to explore whether to modify certain requirements under the Gramm-Leach-Bliley Act 

to provide annual notices regarding financial institutions’ data sharing practices. 

Finally, the Bureau is continuing to assess timelines for other rulemakings mandated by the 

Dodd-Frank Act or inherited from other agencies and to conduct outreach and research to assess issues 

in various other markets for consumer financial products and services. As this work continues, the 

Regulations.gov Tuesday, November 26, 2013 Unified Agenda

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Bureau will evaluate possible policy responses, including possible rulemaking actions, taking into account 

the critical need for and effectiveness of various policy tools. The Bureau will update its regulatory 

agenda in spring 2014 to reflect the results of this further prioritization and planning. 

Dated: September 6, 2013.

NAME: Meredith Fuchs, 

General Counsel, Bureau of Consumer Financial Protection. 

Regulations.gov Tuesday, November 26, 2013 Unified Agenda

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The 26 Regulatory Agendas

Consumer Financial Protection Bureau - PreRule

Title

Regulation 

Identifier 

Number

Home Mortgage Disclosure Act (Regulation C) 3170-AA10

Annual Privacy Notice 3170-AA39

Payday Loans and Deposit Advance Products 3170-AA40

Debt Collection Rule 3170-AA41

Overdraft 3170-AA42

Further Amendments to 2013 Mortgage Rules (Regulations X and Z) 3170-AA43

Consumer Financial Protection Bureau - Proposed Rule

Title

Regulation 

Identifier 

Number

Requirements for Prepaid Cards (Regulation E) 3170-AA22

Supervision of Certain Nonbank Covered Persons--Defining Larger Participants in Certain Consumer Financial Product

and Service Markets 3170-AA25

Amendments to FIRREA Concerning Appraisals 3170-AA44

Extension of the Temporary Exception for Certain Disclosures Under the Remittance Transfer Rule 3170-AA45

Consumer Financial Protection Bureau - Final Rule

Title

Regulation 

Identifier 

Number

Restatement of Federal Consumer Financial Law Regulations 3170-AA06

Amendments to TILA Concerning Appraisals 3170-AA11

Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in

Lending Act (Regulation Z) 3170-AA19

Equal Access to Justice Act Implementation Rule 3170-AA27

Rules of Practice for Issuance of Temporary Cease-and-Desist Orders 3170-AA29

The Expedited Funds Availability Act (Regulation CC) 3170-AA31

Defining Larger Participants of the Student Loan Servicing Market 3170-AA35

Amendments to 2013 Mortgage Rules (Regulations B, X, and Z) 3170-AA37

Consumer Financial Protection Bureau - Long-term Action

Title

Regulation 

Identifier 

Number

Alternative Mortgage Transaction Parity (Regulation D) 3170-AA04

Registration of Certain Nonbank Covered Persons 3170-AA07

Business Lending Data (Regulation B) 3170-AA09

TILA Mortgage Amendments (Regulation Z) 3170-AA18

Consumer Financial Civil Penalty Fund 3170-AA38

Consumer Financial Protection Bureau - Completed Action

Title

Regulation 

Identifier 

Number

Supervision of Larger Depository Institutions and Affiliates 3170-AA08

Procedural Rule To Establish Supervisory Authority Over Certain Nonbank Covered Persons Based on Risk 3170-AA24

Regulations.gov Tuesday, November 26, 2013 Unified Agenda

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Determination

Disclosure Rules For Remittance Transactions (Regulation E) 3170-AA33

Consumer Financial Protection Bureau ( CFPB ) RIN: 3170-AA10

 View Related Documents

Title: Home Mortgage Disclosure Act (Regulation C)

Abstract: Section 1094 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) amends the

Home Mortgage Disclosure Act (HMDA), which requires certain financial institutions to collect and report information in

connection with housing-related loans and applications they receive for such loans. The amendments made by the Dodd-Frank

Act expand the scope of information relating to mortgage applications and loans that must be compiled, maintained, and

reported under HMDA, including the ages of loan applicants and mortgagors, information relating to the points and fees payable

at origination, the difference between the annual percentage rate associated with the loan and benchmark rates for all loans, the

term of any prepayment penalty, the value of real property to be pledged as collateral, the term of the loan and of any

introductory interest rate for the loan, the presence of contract terms allowing non-amortizing payments, the origination channel,

and the credit scores of applicants and mortgagors. The Dodd-Frank Act also provides authority for the CFPB to require other

information, including identifiers for loans, parcels, and loan originators. The CFPB expects to begin developing proposed

regulations concerning the data to be collected and appropriate format, procedures, information safeguards, and privacy

protections for information compiled and reported under HMDA. The CFPB may consider additional revisions to its regulations to

accomplish the purposes of HMDA.

Priority: Other Significant Agenda Stage of Rulemaking: PreRule

Major: Undetermined Unfunded Mandates: No

CFR Citation: 12 CFR 1003 (To search for a specific CFR, visit the Code of Federal Regulations ) 

Legal Authority: 12 USC 2801 to 2810

Legal Deadline: None

Timetable:

Action Date FR Cite

Prerule Activities 02/00/2014 

Regulatory Flexibility Analysis Required: Business Government Levels Affected: No

Federalism: No

Agency Contact: Joan Kayagil

Office of Regulations

Consumer Financial Protection Bureau

Phone: 202 435-7700 

Consumer Financial Protection Bureau ( CFPB ) RIN: 3170-AA39

 View Related Documents

Title: Annual Privacy Notice

Abstract: Regulation P, implementing provisions of the Gramm-Leach-Bliley Act, requires financial institutions to provide

annual privacy notices to customers describing the institution's information sharing practices and explain how a consumer can

opt out of the sharing of their information when applicable. The CFPB, in response to a Federal Register notice on

"Streamlining Inherited Regulations" issued in December 2011 (76 FR 75825), received comment suggesting that eliminating the

requirement to provide annual notices where there has been no change in underlying policies would reduce unnecessary

regulatory burden and unwanted paperwork for consumers at least where a financial institution limits the sharing of information

with third-parties. After reviewing policy options, the CFPB expects to begin developing a proposed rule to seek comment on

potential revisions to Regulation P.

Priority: Other Significant Agenda Stage of Rulemaking: PreRule

Major: Undetermined Unfunded Mandates: No

CFR Citation: 12 CFR 1016 (To search for a specific CFR, visit the Code of Federal Regulations ) 

Legal Authority: 15 USC 6801 to 6809

Legal Deadline: None

Timetable:

Regulations.gov Tuesday, November 26, 2013 Unified Agenda

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Action Date FR Cite

Prerule Activities 01/00/2014 

Regulatory Flexibility Analysis Required: Undetermined Government Levels Affected: No

Federalism: No

Agency Contact: Thomas Pahl

Office of Regulations

Consumer Financial Protection Bureau

Phone: 202 435-7700 

Consumer Financial Protection Bureau ( CFPB ) RIN: 3170-AA40

 View Related Documents

Title: Payday Loans and Deposit Advance Products

Abstract: In April 2013, the CFPB issued a white paper summarizing the CFPB's initial findings from its analysis of payday loan

and deposit advance products. The white paper, which was based on supervisory data, highlighted a number of consumer

protection concerns, including consumers' "sustained use" of these short-term, high-cost products. The CFPB is considering

whether rules governing these products are warranted under CFPB authorities, and if so what types of rules would be

appropriate. Rulemaking might include disclosures or address acts or practices in connection with these products.

Priority: Other Significant Agenda Stage of Rulemaking: PreRule

Major: Undetermined Unfunded Mandates: No

CFR Citation: Not Yet Determined (To search for a specific CFR, visit the Code of Federal Regulations ) 

Legal Authority: Not Yet Determined

Legal Deadline: None

Timetable:

Action Date FR Cite

Prerule Activities 03/00/2014 

Regulatory Flexibility Analysis Required: Undetermined Government Levels Affected: No

Federalism: No

Agency Contact: Mark Morelli

Office of Regulations

Consumer Financial Protection Bureau

Phone: 202 435-7700 

Consumer Financial Protection Bureau ( CFPB ) RIN: 3170-AA41

 View Related Documents

Title: Debt Collection Rule

Abstract: The Federal Government for many years has received more consumer complaints about debt collectors than about

any other single industry. See Consumer Financial Protection Bureau, Fair Debt Collection Practices Act: CFPB Annual Report

(March 20, 2013) at 14. The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from engaging in unfair,

deceptive, abusive, and other unlawful collection practices, but no Federal agency was vested with authority to issue general

implementing regulations prior to the creation of the CFPB. The CFPB is considering whether rules governing the collection of

debts are warranted under the FDCPA or other CFPB authorities, and if so what types of rules would be appropriate.

Rulemaking might include disclosures or address acts or practices in connection with debt collection activities.

Priority: Other Significant Agenda Stage of Rulemaking: PreRule

Major: Undetermined Unfunded Mandates: No

CFR Citation: Not Yet Determined (To search for a specific CFR, visit the Code of Federal Regulations ) 

Legal Authority: Not Yet Determined

Legal Deadline: None

Regulations.gov Tuesday, November 26, 2013 Unified Agenda

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Timetable:

Action Date FR Cite

ANPRM 11/12/2013 78 FR 67847 

ANPRM Comment Period End 02/10/2014 

Regulatory Flexibility Analysis Required: Undetermined Government Levels Affected: No

Federalism: No

Agency Contact: Thomas Pahl

Office of Regulations

Consumer Financial Protection Bureau

Phone: 202 435-7700 

Consumer Financial Protection Bureau ( CFPB ) RIN: 3170-AA42

 View Related Documents

Title: Overdraft

Abstract: In June 2013, the CFPB issued a white paper summarizing the CFPB's initial findings from its analysis of overdraft

practices. The white paper, which was based on supervisory data from nine large banks, highlighted a number of possible

consumer protection concerns, including how consumers opt in to overdraft coverage for ATM and one-time debit card

transactions, overdraft coverage limits, transaction posting order, overdraft and insufficient funds fee structure, and involuntary

account closures. The CFPB is considering whether rules governing overdraft and related services are warranted, and if so what

types of rules would be appropriate. A possible rulemaking might include disclosures or address specific acts or practices.

Priority: Other Significant Agenda Stage of Rulemaking: PreRule

Major: Undetermined Unfunded Mandates: No

CFR Citation: Not Yet Determined (To search for a specific CFR, visit the Code of Federal Regulations ) 

Legal Authority: Not Yet Determined

Legal Deadline: None

Timetable:

Action Date FR Cite

Prerule Activities 07/00/2014 

Regulatory Flexibility Analysis Required: Undetermined Government Levels Affected: No

Federalism: No

Agency Contact: Gregory Evans Consumer Financial Protection Bureau

Phone: 202 435-7700 

Consumer Financial Protection Bureau ( CFPB ) RIN: 3170-AA43

 View Related Documents

Title: Further Amendments to 2013 Mortgage Rules (Regulations X and Z)

Abstract: In January 2013, the CFPB issued nine final rules implementing numerous provisions of the Equal Credit Opportunity

Act, the Real Estate Settlement Procedures Act, and the Truth in Lending Act, as adopted by title XIV of the Dodd-Frank Wall

Street Reform and Consumer Protection Act. The CFPB has since made various corrections, clarifications, and other

amendments to the rules adopted in the January 2013 final rules as discussed in entry [17] of this agenda. After the rules take

effect in January 2014, the CFPB expects to conduct further analysis to consider possible amendments to the definitions of

"rural" and "underserved," for purposes of certain exemptions from several otherwise applicable requirements; additional

guidance that would facilitate the development of automated underwriting systems for purposes of calculating debt-to-income

ratios in connection with qualified mortgage determinations; and other topics as warranted based on the CFPB's monitoring of

the market and implementation of the Dodd-Frank Act requirements.

Priority: Substantive, Nonsignificant Agenda Stage of Rulemaking: PreRule

Major: Undetermined Unfunded Mandates: No

Regulations.gov Tuesday, November 26, 2013 Unified Agenda

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CFR Citation: 12 CFR 1024; 12 CFR 1026 (To search for a specific CFR, visit the Code of Federal Regulations ) 

Legal Authority: 12 USC 2601; 12 USC 2603 to 2605; 12 USC 2607; 12 USC 2609; 12 USC 2617; 12 USC 5511 and 5512;

12 USC 5581; 12 USC 5532; 15 USC 1601 et seq

Legal Deadline: None

Timetable:

Action Date FR Cite

Prerule Activities 06/00/2014 

Regulatory Flexibility Analysis Required: Undetermined Government Levels Affected: No

Federalism: No

Related RINs: Related to 3170-AA37

Agency Contact: Paul Mondor

Office of Regulations

Consumer Financial Protection Bureau

Phone: 202 435-7700 

Consumer Financial Protection Bureau ( CFPB ) RIN: 3170-AA22

 View Related Documents

Title: Requirements for Prepaid Cards (Regulation E)

Abstract: The CFPB published an Advance Notice of Proposed Rulemaking (ANPRM) seeking comment, data, and information

from the public about general purpose reloadable (GPR) prepaid cards (GPR cards). GPR cards are a prepaid financial product

that have been increasing in popularity and that some consumers now use in a manner similar to a debit card that is linked to a

traditional checking account. Through its ANPRM, which asked ten broad questions about GPR cards, the CFPB sought to learn

more about this product, including its costs, benefits, and risks to consumers. The CFPB is reviewing the comments received to

determine what rule or rules may be appropriate and expects based on that analysis to issue a proposed rule to follow up on the

issues raised in the ANPRM. The CFPB has begun consumer testing of model disclosure forms.

Priority: Other Significant Agenda Stage of Rulemaking: Proposed Rule

Major: Undetermined Unfunded Mandates: No

CFR Citation: 12 CFR 1005 (To search for a specific CFR, visit the Code of Federal Regulations ) 

Legal Authority: 15 USC 1693

Legal Deadline: None

Timetable:

Action Date FR Cite

ANPRM 05/24/2012 77 FR 30923 

ANPRM Comment Period End 07/23/2012 

NPRM 05/00/2014 

Regulatory Flexibility Analysis Required: Undetermined Government Levels Affected: No

Federalism: No

Agency Contact: Eric Goldberg

Office of Regulations

Consumer Financial Protection Bureau

Phone: 202 435-7700 

Consumer Financial Protection Bureau ( CFPB ) RIN: 3170-AA25

 View Related Documents

Title: Supervision of Certain Nonbank Covered Persons--Defining Larger Participants in Certain Consumer Financial Product

and Service Markets

Abstract: Under the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act), the CFPB anticipates

Regulations.gov Tuesday, November 26, 2013 Unified Agenda

9
proposing a rule to implement its supervisory program for nonbank covered persons. Under section 1024 of the Dodd-Frank Act,

the CFPB is authorized to supervise certain nonbank covered persons for compliance with Federal consumer financial laws and

for other purposes. Under section 1024(a)(1)(B) of the Dodd-Frank Act, for certain markets, the supervision program generally

will apply only to "larger participant[s]" of these markets. The contemplated regulations would help establish the scope of the

CFPB's nonbank supervision program by defining who is a larger participant in certain markets for consumer financial products

or services.

Priority: Substantive, Nonsignificant Agenda Stage of Rulemaking: Proposed Rule

Major: Undetermined Unfunded Mandates: No

CFR Citation: Not Yet Determined (To search for a specific CFR, visit the Code of Federal Regulations ) 

Legal Authority: 12 USC 5514(a)(1)(B); 12 USC 5514(a)(2); 12 USC 5512(b)(1); 12 USC 5514(b)(7)

Legal Deadline: None

Timetable:

Action Date FR Cite

NPRM 11/00/2013 

Final Rule 07/00/2014 

Regulatory Flexibility Analysis Required: Undetermined Government Levels Affected: No

Federalism: No

Agency Contact: Christopher Young

Office of Supervision Policy

Consumer Financial Protection Bureau

Phone: 202 435-7555 

Consumer Financial Protection Bureau ( CFPB ) RIN: 3170-AA44

 View Related Documents

Title: Amendments to FIRREA Concerning Appraisals

Abstract: The CFPB is participating in interagency rulemaking processes with the Board of Governors of the Federal Reserve

System (Board), the Office of the Comptroller of the Currency (OCC), the Federal Deposit Insurance Corporation (FDIC), the

National Credit Union Administration (NCUA), and the Federal Housing Finance Agency (FHFA) (collectively, the Agencies) to

develop proposed regulations to implement the amendments made by the Dodd- Frank Wall Street Reform and Consumer

Protection Act (Dodd-Frank Act) to the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) concerning

appraisals. The amendments made by the Dodd-Frank Act to FIRREA require new minimum requirements to be applied by

States in the registration, reporting, and supervision of appraisal management companies. The FIRREA amendments further

require implementing regulations for new quality control standards for automated valuation models to ensure a high level of

confidence in the estimates produced by the valuation models, protect against the manipulation of data, seek to avoid conflicts

of interest, require random sample testing and reviews, and address any other factor that the agencies determine to be

appropriate. The Agencies are continuing their work to develop proposals to implement the Dodd-Frank Act's amendments to

FIRREA concerning appraisal management company registration and quality control standards for automated valuation models.

Priority: Substantive, Nonsignificant Agenda Stage of Rulemaking: Proposed Rule

Major: Undetermined Unfunded Mandates: No

CFR Citation: Not Yet Determined (To search for a specific CFR, visit the Code of Federal Regulations ) 

Legal Authority: 12 USC 3353; 12 USC 3354

Legal Deadline: 

Action Source Description Date

Other Statutory 01/21/2013 

Timetable:

Action Date FR Cite

NPRM (AMC) 02/00/2014 

Regulatory Flexibility Analysis Required: Undetermined Government Levels Affected: State

Federalism: No

Agency Contact: Bill Matchneer

Office of Regulations

Consumer Financial Protection Bureau

Regulations.gov Tuesday, November 26, 2013 Unified Agenda

10
Phone: 202 435-7700 

Consumer Financial Protection Bureau ( CFPB ) RIN: 3170-AA45

 View Related Documents

Title: Extension of the Temporary Exception for Certain Disclosures Under the Remittance Transfer Rule

Abstract: On February 7, 2012, the CFPB published in the Federal Register a final rule to implement section 1073 of the

Dodd- Frank Wall Street Reform and Consumer Protection Act, which amended the Electronic Fund Transfer Act (EFTA) to

create a comprehensive new Federal consumer protection regime for remittance transfers by U.S. consumers to individuals and

businesses in foreign countries. Consistent with the statute, the final rule generally requires remittance transfer providers to

provide exact disclosures relating to the remittance transfer, but permits insured depository institutions and insured credit unions

to estimate the exchange rate and certain other disclosures under certain circumstances. The statute provides that the

exception shall expire on July 21, 2015, unless the CFPB extends the exception for up to five years based on a determination

that the termination of this provision would negatively affect the ability of insured institutions to send remittances to locations in

foreign countries. The CFPB will consider in a 2014 rulemaking whether to extend the temporary exception for certain estimates

in the rule beyond its current expiration date.

Priority: Substantive, Nonsignificant Agenda Stage of Rulemaking: Proposed Rule

Major: Undetermined Unfunded Mandates: No

CFR Citation: Not Yet Determined (To search for a specific CFR, visit the Code of Federal Regulations ) 

Legal Authority: 15 USC 1693o-1(a)(4)(B)

Legal Deadline: 

Action Source Description Date

NPRM Statutory 07/21/2015 

Timetable:

Action Date FR Cite

NPRM 03/00/2014 

Regulatory Flexibility Analysis Required: Undetermined Government Levels Affected: No

Federalism: No

Related RINs: Related to 3170-AA33; Related to 7100-AD68

Agency Contact: Eric Goldberg

Office of Regulations

Consumer Financial Protection Bureau

Phone: 202 435-7700 

Consumer Financial Protection Bureau ( CFPB ) RIN: 3170-AA06

 View Related Documents

Title: Restatement of Federal Consumer Financial Law Regulations

Abstract: The CFPB has recodified regulations implementing Federal consumer financial laws as a series of interim final rules

in chapter X of title 12 of the CFR. Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd- Frank

Act) transferred rulemaking authority for 14 consumer financial protection laws from 7 transferor agencies to the CFPB as of

July 21, 2011. Pursuant to that authority, the CFPB has recodified existing regulations implementing certain portions of the Fair

Credit Reporting Act, certain portions of the Gramm-Leach-Bliley Act, the Secure and Fair Enforcement for Mortgage Licensing

Act, the Equal Credit Opportunity Act, the Fair Debt Collection Practices Act, the Truth in Savings Act, the Interstate Land Sales

and Full Disclosure Act, the Consumer Leasing Act, certain portions of the Electronic Fund Transfer Act, subsections 43(b)-(f) of

the Federal Deposit Insurance Act, the Home Mortgage Disclosure Act, the Real Estate Settlement Procedures Act, the Truth in

Lending Act, and section 626 of the Omnibus Appropriations Act of 2009. The CFPB's interim final rules made no substantive

changes to the regulations of the agencies from which the rulemaking authority transferred, but made nomenclature, technical,

and other conforming changes required by the Dodd-Frank Act and consolidated multiple versions of the regulations under

those statutes where rulewriting authority previously had been split across multiple agencies. Changes included, for example,

revisions to references to the transferor agency, internal cross-references, addresses for filing applications and notices, and

references to the scope of the CFPB's authority as amended by the Dodd-Frank Act. The CFPB may make technical

amendments to the recodified regulations, if necessary. OMB has determined that the CFPB's re- codification as Regulation V,

Regulations.gov Tuesday, November 26, 2013 Unified Agenda

11
12 CFR 1022, of certain pre-existing regulations implementing portions of the Fair Credit Reporting Act should be classified as a

"major" rulemaking under the Congressional Review Act. Thus, the priority of the CFPB's restatement of Regulation V is "Other

Significant."

Priority: Substantive, Nonsignificant Agenda Stage of Rulemaking: Final Rule

Major: No Unfunded Mandates: No

CFR Citation: 12 CFR 1002; 12 CFR 1003; 12 CFR 1005 to 1016; 12 CFR 1022; 12 CFR 1024; 12 CFR 1026; 12 CFR 1030

(To search for a specific CFR, visit the Code of Federal Regulations ) 

Legal Authority: 12 USC 5581

Legal Deadline: None

Timetable:

Action Date FR Cite

Interim Final Rule (Fair Debt Collection Practices Act - Regulation F)

with Request for Comment 12/16/2011 76 FR 78121 

Interim Final Rule (Regulation I) with Request for Public Comment 12/16/2011 76 FR 78126 

Interim Final Rule (Regulation N, Regulation O) with Request for

Public Comment 12/16/2011 76 FR 78130 

Interim Final Rule (Regulation G, Regulation H) with Request for

Public Comment 12/19/2011 76 FR 78483 

Interim Final Rule (Regulation M) with Request for Public Comment 12/19/2011 76 FR 78500 

Interim Final Rule (Regulation C) with Request for Public Comment 12/19/2011 76 FR 78465 

Interim Final Rule (Regulation X) with Request for Public Comment 12/20/2011 76 FR 78978 

Interim Final Rule (Regulation B) with Request for Public Comment 12/21/2011 76 FR 79442 

Interim Final Rule (Regulation V) with Request for Public Comment 12/21/2011 76 FR 70308 

Interim Final Rule (Regulation DD) with Request for Public Comment 12/21/2011 76 FR 79276 

Interim Final Rule (Regulations J, K, & L) with Request for Public

Comment 12/21/2011 76 FR 79486 

Interim Final Rule (Regulation P) with Request for Public Comment 12/21/2011 76 FR 79025 

Interim Final Rule (Regulation Z) with Request for Public Comment 12/22/2011 76 FR 79768 

Interim Final Rule (Regulation E) with Request for Public Comment 12/27/2011 76 FR 81020 

Interim Final Rule Comment Period End (Regulation F) 02/14/2012 

Interim Final Rule Comment Period End (Regulation I) 02/14/2012 

Interim Final Rule Comment Period End (Regulation N, Regulation O) 02/14/2012 

Interim Final Rule Comment Period End (Regulation G, Regulation H) 02/17/2012 

Interim Final Rule Comment Period End (Regulation M) 02/17/2012 

Interim Final Rule Comment Period End (Regulation C) 02/17/2012 

Interim Final Rule Comment Period End (Regulation X) 02/21/2012 

Interim Final Rule Comment Period End (Regulation B) 02/21/2012 

Interim Final Rule Comment Period End (Regulation V) 02/21/2012 

Interim Final Rule Comment Period End (Regulation DD) 02/21/2012 

Interim Final Rule Comment Period End (Regulations J, K, & L) 02/21/2012 

Interim Final Rule Comment Period End (Regulation P) 02/21/2012 

Interim Final Rule Comment Period End (Regulation Z) 02/21/2012 

Interim Final Rule Comment Period End (Regulation E) 02/27/2012 

Final Rule (Regulation F) 06/00/2014 

Final Rule (Regulation I) 06/00/2014 

Final Rule (Regulation N, Regulation O) 06/00/2014 

Final Rule (Regulation G, Regulation H) 06/00/2014 

Final Rule (Regulation M) 06/00/2014 

Final Rule (Regulation C) 06/00/2014 

Final Rule (Regulation X) 06/00/2014 

Final Rule (Regulation B) 06/00/2014 

Final Rule (Regulation V) 06/00/2014 

Final Rule (Regulation DD) 06/00/2014 

Final Rule (Regulations J, K, & L) 06/00/2014 

Final Rule (Regulation P) 06/00/2014 

Final Rule (Regulation Z) 06/00/2014 

Final Rule (Regulation E) 06/00/2014 

Regulatory Flexibility Analysis Required: No Government Levels Affected: Undetermined

Federalism: No

Agency Contact: Paul Mondor

Office of Regulations

Consumer Financial Protection Bureau

Regulations.gov Tuesday, November 26, 2013 Unified Agenda

12
Phone: 202 435-7700 

Consumer Financial Protection Bureau ( CFPB ) RIN: 3170-AA11

 View Related Documents

Title: Amendments to TILA Concerning Appraisals

Abstract: The CFPB is participating in interagency rulemaking processes with the Board of Governors of the Federal Reserve

System (Board), the Office of the Comptroller of the Currency (OCC), the Federal Deposit Insurance Corporation (FDIC), the

National Credit Union Administration (NCUA), and the Federal Housing Finance Agency (FHFA) (collectively, the Agencies) to

develop proposed regulations to implement the amendments made by the Dodd-Frank Wall Street Reform and Consumer

Protection Act (Dodd-Frank Act) to the Truth in Lending Act (TILA) concerning appraisals. The amendments made by the DoddFrank Act to TILA require creditors to obtain an appraisal, including a physical property visit by a certified appraiser, before

extending higher-risk mortgage loans. The TILA amendments also contain new provisions concerning appraisal independence,

the portability of appraisal reports, and charging of customary and reasonable fees. As required by the Dodd-Frank Act, the

Board published an interim final rule implementing the mandatory requirements relating to appraisal independence on October

28, 2010. Further action with respect to this rulemaking is being addressed through the interagency rulemaking process.

Through the interagency process, the Agencies on January 18, 2013, issued a final rule (published in the Federal Register on

February 13, 2013) relating to appraisal requirements for higher-risk mortgages. The Agencies amended Regulation Z, which

implements TILA, to provide that, for mortgages with an annual percentage rate that exceeds the average prime offer rate by a

specified percentage, unless an exemption applies (such as for qualified mortgages and certain other types of transactions

specified in the final rule), creditors must obtain an appraisal or appraisals meeting certain specified standards, provide

applicants with a notification regarding the use of the appraisals, and give applicants a copy of the written appraisals used. The

Agencies issued a supplemental proposal on July 9, 2013, concerning possible additional exemptions from this rule for certain

refinance transactions, smaller-dollar loans, and certain manufactured housing transactions.

Priority: Substantive, Nonsignificant Agenda Stage of Rulemaking: Final Rule

Major: No Unfunded Mandates: No

CFR Citation: 12 CFR 1026 (To search for a specific CFR, visit the Code of Federal Regulations ) 

Legal Authority: 15 USC 1639e; 15 USC 1639h

Legal Deadline: 

Action Source Description Date

Other Statutory 01/21/2013 

Timetable:

Action Date FR Cite

Interim Final Rule With Request For Public Comment (Appraisal

Independence) 10/28/2010 75 FR 66554 

Interim Final Rule Comment Period End (Appraisal Independence) 12/27/2010 

NPRM (Higher-Risk Mortgages) 09/05/2012 77 FR 54722 

NPRM Comment Period End (Higher-Risk Mortgages) 10/15/2012 

Final Rule (TILA Higher-Risk Mortgages) 02/13/2013 78 FR 10368 

Supplemental NPRM (Higher-Risk Mortgages) 08/08/2013 78 FR 48547 

Supplemental NPRM Comment Period End (Higher-Risk Mortgages) 09/09/2013 

Final Rule (Higher-Risk Mortgages) 12/00/2013 

Regulatory Flexibility Analysis Required: No Government Levels Affected: No

Federalism: No

Related Agencies: Joint : FRS; Joint : OCC; Joint :

FDIC; Joint : NCUA; Joint : FHFA

Agency Contact: Bill Matchneer

Office of Regulations

Consumer Financial Protection Bureau

Phone: 202 435-7700 

Consumer Financial Protection Bureau ( CFPB ) RIN: 3170-AA19

 View Related Documents

Title: Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in

Regulations.gov Tuesday, November 26, 2013 Unified Agenda

13
Lending Act (Regulation Z)

Abstract: Sections 1032(f), 1098, and 1100A of the Dodd-Frank Wall Street Reform and Consumer Protection Act (DoddFrank Act) direct the CFPB to issue proposed rules and forms that combine certain disclosures that consumers receive in

connection with a mortgage loan under the Truth in Lending Act and the Real Estate Settlement Procedures Act. Consistent with

this requirement, the CFPB has proposed to amend Regulation X (Real Estate Settlement Procedures Act) and Regulation Z

(Truth in Lending) to establish new disclosure requirements and forms in Regulation Z for most closed-end consumer credit

transactions secured by real property. In addition to combining the existing disclosure requirements and implementing new

requirements in the Dodd-Frank Act, the CFPB's proposed rule provides extensive guidance regarding compliance with those

requirements. The proposal had two comment periods. Comments on the proposed revisions to the definition of the finance

charge and the proposed compliance date for the new Dodd-Frank Act disclosures were due September 7, 2012. Comments on

all other aspects of the proposal were due November 6, 2012. On September 6, 2012, the CFPB issued a notice extending the

comment period to November 6, 2012, for the proposed revisions to the definition of the finance charge. The CFPB is working to

issue a final rule. The CFPB issued the final rule to implement the compliance dates for the new Dodd-Frank Act disclosures

that were proposed in this proposal in a separate rulemaking (see RIN 3170-AA32).

Priority: Other Significant Agenda Stage of Rulemaking: Final Rule

Major: Undetermined Unfunded Mandates: No

CFR Citation: 12 CFR 1024; 12 CFR 1026 (To search for a specific CFR, visit the Code of Federal Regulations ) 

Legal Authority: 12 USC 2617; 12 USC 3806; 15 USC 1604; 15 USC 1637(c)(5); 15 USC 1639(l); 12 USC 5532

Legal Deadline: 

Action Source Description Date

NPRM Statutory 07/21/2012 

Timetable:

Action Date FR Cite

NPRM 08/23/2012 77 FR 51116 

NPRM Comment Period Extended 09/06/2012 77 FR 54843 

NPRM Comment Period End 11/06/2012 

Final Rule 11/00/2013 

Regulatory Flexibility Analysis Required: Business Government Levels Affected: No

Federalism: No

Related RINs: Related to 7100-AD33; Related to 7100-AD52

Agency Contact: Richard Horn

Office of Regulations

Consumer Financial Protection Bureau

Phone: 202 435-7700 

Consumer Financial Protection Bureau ( CFPB ) RIN: 3170-AA27

 View Related Documents

Title: Equal Access to Justice Act Implementation Rule

Abstract: The Equal Access to Justice Act (EAJA) requires agencies that conduct adversary adjudications to award attorney

fees and other litigation expenses to certain parties other than the United States in certain circumstances. EAJA also requires

agencies that conduct adversary adjudications to establish procedures for the submission and consideration of applications for

the award of fees and other expenses. The CFPB has adopted an interim final rule establishing such procedures. 77 FR 39117

(June 29, 2012). The CFPB anticipates finalizing the rule after consideration of comments.

Priority: Info./Admin./Other Agenda Stage of Rulemaking: Final Rule

Major: No Unfunded Mandates: No

CFR Citation: 12 CFR 1071 (To search for a specific CFR, visit the Code of Federal Regulations ) 

Legal Authority: 5 USC 504

Legal Deadline: None

Timetable:

Action Date FR Cite

Interim Final Rule 06/29/2012 77 FR 39117 

Interim Final Rule Comment Period End 08/28/2012 

Final Rule 12/00/2013 

Regulations.gov Tuesday, November 26, 2013 Unified Agenda

14
Regulatory Flexibility Analysis Required: No Government Levels Affected: No

Federalism: No

Agency Contact: John Coleman

Legal Division

Consumer Financial Protection Bureau

Phone: 202 435-7550 

Consumer Financial Protection Bureau ( CFPB ) RIN: 3170-AA29

 View Related Documents

Title: Rules of Practice for Issuance of Temporary Cease-and-Desist Orders

Abstract: Under section 1053(c) of the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPB is authorized

to issue a temporary cease and desist order against a person subject to a notice of charges if: (1) The violation specified in the

notice of charges is likely to cause the person to be insolvent or otherwise prejudice the interests of consumers before the

completion of the underlying proceedings or (2) the person's books and records are so incomplete or inaccurate that the CFPB

is unable to determine the financial condition of that person or the details or purpose of any transaction or transactions that may

have a material effect on that person's financial condition. Such temporary order may require the person to cease and desist

from any violation or practice, and/or to take affirmative action to correct its practices or records, and is appealable in Federal

district court within 10 days of its service. The CFPB is developing proposed rules to clarify certain procedural aspects of these

provisions.

Priority: Info./Admin./Other Agenda Stage of Rulemaking: Final Rule

Major: Undetermined Unfunded Mandates: No

CFR Citation: Not Yet Determined (To search for a specific CFR, visit the Code of Federal Regulations ) 

Legal Authority: 12 USC 5563(e); 12 USC 5512(b)

Legal Deadline: None

Timetable:

Action Date FR Cite

Interim Final Rule 11/00/2013 

Regulatory Flexibility Analysis Required: No Government Levels Affected: No

Federalism: No

Agency Contact: John Coleman

Legal Division

Consumer Financial Protection Bureau

Phone: 202 435-7550 

Consumer Financial Protection Bureau ( CFPB ) RIN: 3170-AA31

 View Related Documents

Title: The Expedited Funds Availability Act (Regulation CC)

Abstract: The Expedited Funds Availability Act (EFA Act), implemented by Regulation CC, governs availability of funds after a

check deposit and check collection and return processes. Section 1086 of the Dodd-Frank Wall Street Reform and Consumer

Protection Act amended the EFA Act to provide the CFPB with joint rulemaking authority with the Board of Governors of the

Federal Reserve System (Board) over certain consumer-related EFA Act provisions. The Board proposed amendments to

Regulation CC in March 2011, to facilitate the banking industry's ongoing transition to fully-electronic interbank check collection

and return. The Board's proposal includes some provisions that are subject to the CFPB's joint rulemaking authority, including

the period for funds availability and revising model form disclosures. The CFPB will work with the Board to issue jointly a final

rule that includes provisions within the CFPB's authority.

Priority: Substantive, Nonsignificant Agenda Stage of Rulemaking: Final Rule

Major: Undetermined Unfunded Mandates: No

CFR Citation: 12 CFR 229 (To search for a specific CFR, visit the Code of Federal Regulations ) 

Legal Authority: 12 USC 4001 et seq

Regulations.gov Tuesday, November 26, 2013 Unified Agenda

15
Legal Deadline: None

Timetable:

Action Date FR Cite

NPRM 03/25/2011 76 FR 16862 

NPRM Comment Period End 06/03/2011 

Final Rule 06/00/2014 

Regulatory Flexibility Analysis Required: Business Government Levels Affected: No

Federalism: No

Related RINs: Related to 7100-AD68 Related Agencies: Joint: FRS

Agency Contact: Stephen Shin

Office of Regulations

Consumer Financial Protection Bureau

Phone: 202 435-7700 

Consumer Financial Protection Bureau ( CFPB ) RIN: 3170-AA35

 View Related Documents

Title: Defining Larger Participants of the Student Loan Servicing Market

Abstract: The CFPB issued and published for public comment on March 28, 2013 a proposed rule that would amend the

regulation defining larger participants of certain consumer financial product and service markets by adding a new section to

define larger participants of a market for student loan servicing. The CFPB proposed this rule pursuant to its authority, under the

Dodd-Frank Wall Street Reform and Consumer Protection Act, to supervise certain nonbank covered persons for compliance

with Federal consumer financial law and for other purposes. The CFPB has the authority to supervise nonbank covered persons

of all sizes in the residential mortgage, private education lending, and payday lending markets. In addition, the CFPB has the

authority to supervise nonbank "larger participant[s]" of markets for other consumer financial products or services, as the CFPB

defines by rule. The proposed rule would identify a market for student loan servicing and define "larger participants" of this

market that would be subject to the CFPB's supervisory authority. The CFPB is working to issue a final rule defining larger

participants of the student loan servicing market.

Priority: Substantive, Nonsignificant Agenda Stage of Rulemaking: Final Rule

Major: Undetermined Unfunded Mandates: No

CFR Citation: 12 CFR 1090.106 (To search for a specific CFR, visit the Code of Federal Regulations ) 

Legal Authority: 12 USC 5514(a)(1)(B); 12 USC 5514(a)(2); 12 USC 5512(b)(1); 12 USC 5514(b)(7)

Legal Deadline: None

Timetable:

Action Date FR Cite

NPRM 03/28/2013 78 FR 18902 

NPRM Comment Period End 05/28/2013 

Final Rule 11/00/2013 

Regulatory Flexibility Analysis Required: No Government Levels Affected: No

Federalism: No

Agency Contact: Amanda Quester

Office of Supervision Policy

Consumer Financial Protection Bureau

Phone: 202 435-7555 

Consumer Financial Protection Bureau ( CFPB ) RIN: 3170-AA37

 View Related Documents

Title: Amendments to 2013 Mortgage Rules (Regulations B, X, and Z)

Abstract: In January 2013, the CFPB issued nine final rules implementing numerous provisions of the Equal Credit Opportunity

Regulations.gov Tuesday, November 26, 2013 Unified Agenda

16
Act, the Real Estate Settlement Procedures Act, and the Truth in Lending Act, as adopted by title XIV of the Dodd-Frank Wall

Street Reform and Consumer Protection Act. Since that time, the CFPB has issued a series of proposed and final rules

providing clarifying and technical amendments to the January 2013 mortgage rules. On May 29, 2013 the CFPB issued a final

rule amending the CFPB's January 2013 ATR final rule, finalizing a proposal issued concurrently with the January rule.

Regulation Z generally prohibits a creditor from making a mortgage loan unless the creditor determines that the consumer will

have the ability to repay the loan. The final rule provided an exemption to these requirements for creditors with certain

designations, loans pursuant to certain programs, certain nonprofit creditors, and mortgage loans made in connection with

certain Federal emergency economic stabilization programs. The final rule also provided an additional definition of a qualified

mortgage for certain loans made and held in portfolio by small creditors and a temporary definition of a qualified mortgage for

balloon loans. Finally, the final rule modified the requirements regarding the inclusion of loan originator compensation in the

points and fees calculation. The CFPB's proposed rule issued in April 2013 and finalized in May 2013 amended the CFPB's final

rule relating to escrow accounts (under the Truth in Lending Act (Regulation Z)), to clarify how to determine which creditors

operating predominantly in "rural or underserved" areas qualify for an exemption from mandatory escrow account requirements

and to keep in place certain existing protections for higher-priced mortgage loans (HPMLs) until other similar provisions take

effect in January 2014. The CFPB's second proposed rule issued in April 2013 and finalized in July 2013 amended the CFPB's

final mortgage rules on mortgage servicing (under Regulation X (Real Estate Settlement Procedures Act), and Regulation Z

(Truth in Lending Act)) and on ability to repay and qualified mortgage standards (under Regulation Z). These amendments

clarified, corrected, or amended provisions on: (1) the relation to State law of Regulation X's servicing provisions; (2)

implementation dates for adjustable-rate mortgage disclosures; (3) exclusions from the repayment ability and prepayment

penalty requirements for HPMLs; (4) the small servicer exemption from certain of the new servicing rules; (5) the use of

Government-Sponsored Enterprise (GSE) and Federal agency purchase, guarantee or insurance eligibility for determining

qualified mortgage (QM) status; and (6) the determination of debt and income for purposes of originating QMs. The CFPB's

proposed rule issued and finalized in May 2013 delayed the June 1, 2013 effective date of a prohibition on creditors financing

credit insurance premiums in connection with certain consumer credit transactions secured by a dwelling so that the CFPB

could take further comment on certain interpretive issues. The prohibition was adopted in the CFPB's final mortgage rule on loan

originator compensation requirements (Regulation Z). The CFPB's proposed rule issued in June 2013 and finalized in September

2013 revised provisions on loss mitigation procedures under Regulation X's servicing provisions, amounts counted as loan

originator compensation to retailers of manufactured homes and their employees for purposes of applying points and fees

thresholds under the Home Ownership and Equity Protection Act and the qualified mortgage rules in Regulation Z, exemptions

available to creditors that operate predominantly in "rural or underserved" areas for various purposes under the mortgage

regulations, application of the loan originator compensation rules to bank tellers and similar staff, and the prohibition on creditorfinanced credit insurance. The CFPB also adjusted the effective dates for certain provisions of the loan originator compensation

rules. The CFPB issued an interim final rule in October 2013 to provide clarity regarding servicing requirements when borrowers

are in bankruptcy or have sent a "cease communication" request under the Fair Debt Collection Practices Act, and to correct a

problem for a small subset of loans with the disclosure to be used for required counseling under the High-Cost Mortgage and

Homeownership Counseling Amendments to the Truth in Lending Act (Regulation Z) and Homeownership Counseling

Amendments to the Real Estate Settlement Procedures Act (Regulation X) Final Rule (2013 HOEPA Final Rule). The CFPB also

issued an interpretive rule in November 2013, to provide data instructions for lenders to use in complying with the requirement

under the 2013 HOEPA final rule to provide a homeownership counseling list using data made available by the CFPB or the

Department of Housing and Urban Development. The CFPB may issue further proposed amendments and clarifications to the

January 2013 mortgage rules prior to their effective dates in January 2014 if warranted.

Priority: Substantive, Nonsignificant Agenda Stage of Rulemaking: Final Rule

Major: Undetermined Unfunded Mandates: No

CFR Citation: 12 CFR 1026; 12 CFR 1024 (To search for a specific CFR, visit the Code of Federal Regulations ) 

Legal Authority: 12 USC 2601; 12 USC 2603 to 2605; 12 USC 2607; 12 USC 2609; 12 USC 2617; 12 USC 5511; 12 USC

5512; 12 USC 5532; 12 USC 5581; 15 USC 1601 et seq

Legal Deadline: None

Timetable:

Action Date FR Cite

NPRM (Escrow Rule Amendments) 04/18/2013 78 FR 23171 

NPRM Comment Period End (Escrow) 05/03/2013 

NPRM (Servicing and ATR/QM Rule Amendments) 05/02/2013 78 FR 25638 

NPRM (Loan Originator Delay - Credit Insurance) 05/10/2013 78 FR 27308 

Final Rule (Escrow) 05/23/2013 78 FR 30739 

NPRM Comment Period End (Loan Originator - Credit Insurance) 05/25/2013 

Final Rule (Loan Originator - Credit Insurance) 05/31/2013 78 FR 32547 

NPRM Comment Period End (Servicing and ATR/QM) 06/03/2013 

NPRM (Servicing and Points and Fees Amendments) 07/02/2013 78 FR 39901 

Final Rule (Servicing and ATR/QM) 07/24/2013 78 FR 44685 

NPRM Comment Period End (Servicing and Points and Fees

Amendments) 07/22/2013 

Final Rule (Servicing and Points and Fees Amendments) 10/01/2013 78 FR 60381 

Interim Final Rule (Amendments to 2013 HOEPA Final Rule and 2013

Mortgage Servicing Rules) 10/23/2013 78 FR 62993 

Final Rule (Interpretive Rule - Housing Counseling Requirements

Under 2013 HOEPA Final Rule) 11/00/2013 

Regulations.gov Tuesday, November 26, 2013 Unified Agenda

17
Regulatory Flexibility Analysis Required: No Government Levels Affected: No

Federalism: No

Related RINs: Related to 3170-AA16; Related to 3170-

AA17; Related to 3170-AA14; Related to 3170-AA13

Agency Contact: Paul Mondor

Office of Regulations

Consumer Financial Protection Bureau

Phone: 202 435-7700 

Consumer Financial Protection Bureau ( CFPB ) RIN: 3170-AA04

 View Related Documents

Title: Alternative Mortgage Transaction Parity (Regulation D)

Abstract: On July 22, 2011, the CFPB published an interim final rule necessary to fill a regulatory gap created by the

amendments to the Alternative Mortgage Transaction Parity Act (AMTPA) in section 1083 of the Dodd-Frank Wall Street Reform

and Consumer Protection Act. This interim final rule clarifies the circumstances under which State housing creditors may make

alternative mortgage transactions pursuant to AMTPA in States that prohibit such transactions. The interim final rule is in place

as a temporary measure pending the CFPB's promulgation of permanent rules under section 1083. Because section 1083

requires the CFPB to assess predecessor agencies' rules under AMTPA and to promulgate regulations governing alternative

mortgage transactions by federally chartered housing creditors in addition to State housing creditors, the CFPB will next develop

a Notice of Proposed Rulemaking to implement the broader rulemaking.

Priority: Substantive, Nonsignificant Agenda Stage of Rulemaking: Long-term Action

Major: Undetermined Unfunded Mandates: No

CFR Citation: 12 CFR 1004 (To search for a specific CFR, visit the Code of Federal Regulations ) 

Legal Authority: 12 USC 3802; 12 USC 3803; 15 USC 1604; 15 USC 1639b

Legal Deadline: None

Timetable:

Action Date FR Cite

CFPB Expects Further Action 

Interim Final Rule With Request For Public Comment 07/22/2011 76 FR 44226 

Interim Final Rule Comment Period End 09/22/2011 

Regulatory Flexibility Analysis Required: Undetermined Government Levels Affected: State

Federalism: No

Agency Contact: Paul Mondor

Office of Regulations

Consumer Financial Protection Bureau

Phone: 202 435-7700 

Consumer Financial Protection Bureau ( CFPB ) RIN: 3170-AA07

 View Related Documents

Title: Registration of Certain Nonbank Covered Persons

Abstract: The CFPB anticipates proposing a rule under sections 1022(c)(7) and 1024(b)(7) of the Dodd-Frank Wall Street

Reform and Consumer Protection Act that would require certain nonbank covered persons to register with the CFPB. The

information collected through registration could be used by the CFPB to, among other things, create a directory of registrants

and to facilitate application of the larger participant rule. See RIN 3170-AA08.

Priority: Other Significant Agenda Stage of Rulemaking: Long-term Action

Major: Undetermined Unfunded Mandates: No

CFR Citation: Not Yet Determined (To search for a specific CFR, visit the Code of Federal Regulations ) 

Legal Authority: 12 USC 5512(c)(7); 12 USC 5514(b)(7); 12 USC 5512(b)(1); 12 USC 5512(c)(5)

Regulations.gov Tuesday, November 26, 2013 Unified Agenda

18
Legal Deadline: None

Timetable:

Action Date FR Cite

CFPB Expects Further Action 

Regulatory Flexibility Analysis Required: Undetermined Government Levels Affected: No

Federalism: No

Related RINs: Related to 3170-AA00; Related to 3170-AA08

Agency Contact: Christopher Young

Office of Supervision Policy

Consumer Financial Protection Bureau

Phone: 202 435-7555 

Consumer Financial Protection Bureau ( CFPB ) RIN: 3170-AA09

 View Related Documents

Title: Business Lending Data (Regulation B)

Abstract: Section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) amends the

Equal Credit Opportunity Act (ECOA) to require financial institutions to report information concerning credit applications made by

women- or minority-owned businesses and small businesses. The amendments made by the Dodd-Frank Act require that

certain data be collected and maintained under ECOA, including the number of the application and date the application was

received; the type and purpose of loan or credit applied for; the amount of credit applied for and approved; the type of action

taken with regard to each application and the date of such action; the census tract of the principal place of business; the gross

annual revenue; and the race, sex, and ethnicity of the principal owners of the business. The CFPB expects to begin developing

proposed regulations concerning the data to be collected and appropriate procedures, information safeguards, and privacy

protections for information-gathering under this section.

Priority: Other Significant Agenda Stage of Rulemaking: Long-term Action

Major: Undetermined Unfunded Mandates: No

CFR Citation: 12 CFR 1002 (To search for a specific CFR, visit the Code of Federal Regulations ) 

Legal Authority: 15 USC 1691c-2

Legal Deadline: None

Timetable:

Action Date FR Cite

CFPB Expects Further Action 

Regulatory Flexibility Analysis Required: Business Government Levels Affected: No

Federalism: No

Agency Contact: Charles Honig

Office of Regulations

Consumer Financial Protection Bureau

Phone: 202 435-7700 

Consumer Financial Protection Bureau ( CFPB ) RIN: 3170-AA18

 View Related Documents

Title: TILA Mortgage Amendments (Regulation Z)

Abstract: On August 26, 2009, the Board of Governors of the Federal Reserve System (Board) proposed for comment

proposals to amend Regulation Z (Truth in Lending) regarding disclosure requirements for closed-end loans secured by real

property or a dwelling and open-end home equity lines of credit (HELOCs). On September 24, 2010, the Board proposed certain

amendments to Regulation Z, and the staff commentary to the regulation, as part of a comprehensive review of TILA's rules for

home-secured credit. The Board's proposal addressed (a) revising the rules for the consumer's right to rescind certain open-end

and closed-end loans secured by the consumer's principal dwelling; (b) revising the rules for determining when a modification of

Regulations.gov Tuesday, November 26, 2013 Unified Agenda

19
an existing closed-end mortgage loan secured by real property or a dwelling is a new transaction requiring new disclosures; and

(c) amending the disclosure rules for open- and closed-end reverse mortgages. Pursuant to the Dodd-Frank Wall Street Reform

and Consumer Protection Act (Dodd-Frank Act), the rulemaking authority for TILA generally transferred from the Board to the

CFPB on July 21, 2011. The CFPB is evaluating further action regarding the three pending proposals. Many of the disclosure

aspects of these proposals have been superseded by the rulemaking integrating the mortgage disclosures required by TILA and

the Real Estate Settlement Procedures Act (section 1032(f) of the Dodd-Frank Act).

Priority: Other Significant Agenda Stage of Rulemaking: Long-term Action

Major: Undetermined Unfunded Mandates: No

CFR Citation: 12 CFR 1026 (To search for a specific CFR, visit the Code of Federal Regulations ) 

Legal Authority: 15 USC 1604; 16 USC 1637; 15 USC 1639

Legal Deadline: None

Timetable:

Action Date FR Cite

CFPB Expects Further Action 

NPRM (Closed-End) 08/26/2009 74 FR 43232 

NPRM (Open-End) 08/26/2009 74 FR 43428 

NPRM Comment Period End (Closed End) 12/24/2009 

NPRM Comment Period End (Open End) 12/24/2009 

NPRM (Rescission, etc.) 09/24/2010 75 FR 58539 

NPRM Comment Period End (Rescission, etc.) 12/23/2010 

Regulatory Flexibility Analysis Required: Undetermined Government Levels Affected: No

Federalism: No

Related RINs: Related to 7100-AD33; Related to 7100-

AD34; Related to 7100-AD52

Agency Contact: Paul Mondor

Office of Regulations

Consumer Financial Protection Bureau

Phone: 202 435-7700 

Agency Contact: Krista Ayoub

Office of Regulations

Consumer Financial Protection Bureau

Phone: 202 435-7700 

Consumer Financial Protection Bureau ( CFPB ) RIN: 3170-AA38

 View Related Documents

Title: Consumer Financial Civil Penalty Fund

Abstract: The Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act or Act) establishes a "Consumer

Financial Civil Penalty Fund" (Civil Penalty Fund) into which the Consumer Financial Protection Bureau (CFPB) must deposit

any civil penalty it obtains against any person in any judicial or administrative action under Federal consumer financial laws.

Under the Act, funds in the Civil Penalty Fund may be used for payments to the victims of activities for which civil penalties have

been imposed under Federal consumer financial laws. In addition, to the extent that such victims cannot be located or such

payments are otherwise not practicable, the CFPB may use funds in the Civil Penalty Fund for the purpose of consumer

education and financial literacy programs. This rule implements the relevant statutory provisions by articulating the CFPB's

interpretation of what kinds of payments to victims are appropriate and by establishing procedures for allocating funds for such

payments to victims and for consumer education and financial literacy programs.

Priority: Info./Admin./Other Agenda Stage of Rulemaking: Long-term Action

Major: No Unfunded Mandates: No

CFR Citation: 12 CFR 1075 (To search for a specific CFR, visit the Code of Federal Regulations ) 

Legal Authority: 12 USC 5512(b)(1); 12 USC 5497(d)

Legal Deadline: None

Timetable:

Action Date FR Cite

Regulations.gov Tuesday, November 26, 2013 Unified Agenda

20
NPRM 05/07/2013 78 FR 26545 

Final Rule 05/07/2013 78 FR 26489 

NPRM Comment Period End 07/08/2013 

Final Rule 10/00/2014 

Regulatory Flexibility Analysis Required: No Government Levels Affected: No

Federalism: No

Agency Contact: Kristin Bateman

Legal Division

Consumer Financial Protection Bureau

Phone: 202 435-7821 

Consumer Financial Protection Bureau ( CFPB ) RIN: 3170-AA08

 View Related Documents

Title: Supervision of Larger Depository Institutions and Affiliates

Abstract: Under section 1025 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act), the

CFPB is authorized to supervise insured depository institutions with total assets of more than $10 billion, their affiliates, and

certain service providers for compliance with Federal consumer financial laws and for other purposes. Among other things, the

Dodd-Frank Act calls for coordination between the CFPB and the prudential regulators in exercising their supervisory authorities.

For certain smaller insured depository institutions, section 1026 of the Dodd-Frank Act authorizes the CFPB, among other

things, to include examiners in examinations conducted by the prudential regulators to assess compliance with Federal

consumer financial laws on a sampling basis. The CFPB withdraws as an agenda item at this time the development of proposed

rules related to these provisions.

Priority: Other Significant Agenda Stage of Rulemaking: Completed Action

Major: Undetermined Unfunded Mandates: No

CFR Citation: Not Yet Determined (To search for a specific CFR, visit the Code of Federal Regulations ) 

Legal Authority: 12 USC 5515; 12 USC 5516

Legal Deadline: None

Timetable:

Action Date FR Cite

Withdrawn 08/27/2013 

Regulatory Flexibility Analysis Required: Undetermined Government Levels Affected: No

Federalism: No

Agency Contact: Christopher Young

Office of Supervision Policy

Consumer Financial Protection Bureau

Phone: 202 435-7555 

Consumer Financial Protection Bureau ( CFPB ) RIN: 3170-AA24

 View Related Documents

Title: Procedural Rule To Establish Supervisory Authority Over Certain Nonbank Covered Persons Based on Risk

Determination

Abstract: Under section 1024 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act), the

CFPB is authorized to supervise certain nonbank covered persons for compliance with Federal consumer financial laws and for

other purposes. Under section 1024(a)(1)(C) of the Dodd-Frank Act, the CFPB may bring under its supervisory authority any

nonbank covered person who the CFPB has reasonable cause to determine is engaging, or has engaged, in conduct that poses

risks to consumers. The CFPB published a final rule that establishes procedures for bringing within the scope of the CFPB's

nonbank supervision program certain covered persons whose conduct the CFPB has reasonable cause to determine poses

risks to consumers.

Regulations.gov Tuesday, November 26, 2013 Unified Agenda

21
Priority: Info./Admin./Other Agenda Stage of Rulemaking: Completed Action

Major: No Unfunded Mandates: No

CFR Citation: 12 CFR 1091 (To search for a specific CFR, visit the Code of Federal Regulations ) 

Legal Authority: 12 USC 5514(a)(1)(C); 12 USC 5512(b)(1); 12 USC 5514(b)(7)(A)

Legal Deadline: None

Timetable:

Action Date FR Cite

NPRM 05/25/2012 77 FR 31226 

NPRM Comment Period End 07/24/2012 

Final Rule 07/03/2013 78 FR 40351 

Regulatory Flexibility Analysis Required: No Government Levels Affected: No

Federalism: No

Agency Contact: Christopher Young

Office of Supervision Policy

Consumer Financial Protection Bureau

Phone: 202 435-7555 

Consumer Financial Protection Bureau ( CFPB ) RIN: 3170-AA33

 View Related Documents

Title: Disclosure Rules For Remittance Transactions (Regulation E)

Abstract: On February 7, 2012, the CFPB published in the Federal Register a final rule to implement section 1073 of the

Dodd- Frank Wall Street Reform and Consumer Protection Act, which amended the Electronic Fund Transfer Act (EFTA) to

create a comprehensive new Federal consumer protection regime for remittance transfers by U.S. consumers to individuals and

businesses in foreign countries. Consistent with the statute, the final rule requires remittance transfer providers to provide

certain disclosures, cancellation rights, and error resolution procedures. In August 2012, the CFPB published a final rule

providing additional guidance regarding what companies are not subject to the rule because they do not provide remittance

transfers in the "normal course of business" and modifying certain requirements as applied to remittance transfers scheduled

several days in advance. In May 2013, the CFPB published an additional final rule that revised the requirements of the rule.

Specifically, the CFPB revised requirements for errors resulting from incorrect account numbers provided by senders of

remittance transfers and the disclosure of foreign taxes and third- party fees. The CFPB also set a new effective date for the

rule of October 28, 2013.

Priority: Substantive, Nonsignificant Agenda Stage of Rulemaking: Completed Action

Major: No Unfunded Mandates: No

CFR Citation: 12 CFR 1005 (To search for a specific CFR, visit the Code of Federal Regulations ) 

Legal Authority: 12 USC 5512; 12 USC 5581; 12 USC 5601; 15 USC 1693b

Legal Deadline: None

Timetable:

Action Date FR Cite

NPRM 02/07/2012 77 FR 6310 

NPRM Comment Period End 04/09/2012 

Final Rule 08/20/2012 77 FR 50244 

Supplemental NPRM 12/31/2012 77 FR 77187 

Final Rule (Temporary Delay of Effective Date) 01/29/2013 78 FR 6025 

Supplemental NPRM Comment Period End 01/30/2013 

Supplemental Final Rule 05/22/2013 78 FR 30661 

Regulatory Flexibility Analysis Required: No Government Levels Affected: No

Federalism: No

Related RINs: Related to 7100-AD68; Related to 3170-AA31

Agency Contact: Eric Goldberg

Office of Regulations

Consumer Financial Protection Bureau

Phone: 202 435-7700 

Regulations.gov Tuesday, November 26, 2013 Unified Agenda

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Regulations.gov Tuesday, November 26, 2013 Unified Agenda

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