2024 CFPB Rules and Summaries
| Date |
CFPB Notification of Rules |
Summaries/Comment Letters |
Important Dates |
| December 2024 |
CFPB Executive Summary on Residential PACE Financing Final Rule |
Summary Available |
The final rule will take effect on March 1, 2026. |
| December 2024 |
CFPB Executive Summary on Overdraft Lending Fees |
Summary Available |
The final rule will take effect on October 1, 2025. |
| November 2024 |
Personal Financial Data Rights Final Rule |
Executive Summary Available |
|
| October 2024 |
Proposed Rule/Request for Comments on Remittance Transfers under the Electronic Fund Transfer Act (Regulation E) |
Summary Available |
Comments must be received by November 4, 2024 |
| July 2024 |
Truth in Lending Application to Earned Wage Access Advances |
Summary Available |
Comments must be received by August 30, 2024 |
| July 2024 |
Proposal on Streamlining Mortgage Servicing for Borrowers Experiencing Payment Difficulties |
Summary Available |
Comments must be received by September 9, 2024. |
| July 2024 |
Interim Final Rule on Small Business Lending Under the ECOA; Extension of Compliance Dates |
Summary Available |
The Interim Final Rule is effective as of August 2, 2024. |
| June 2024 |
Request for Information Regarding Fees Imposed in Residential Mortgage Transactions |
Summary Available |
Comments are due by August 2, 2024 |
| June 2024 |
Final Rule on Industry Standard Setting (Personal Financial Data Rights) |
Summary Available |
The rule becomes effective on July 11, 2024 |
| June 2024 |
Notice and Request for Comment on the State Official Notification Rule |
Summary Available |
Comments are due by August 5, 2024 |
| June 2024 |
Interpretive Rule: Truth in Lending (Regulation Z); Use of Digital User Accounts To Access Buy Now, Pay Later Loans |
Summary Available |
Comments are due by August 1, 2024 |
| April 2024 |
Final Rule: Credit Card Penalty Fees |
Summary Available |
The rule becomes effective on May 14, 2024 |
| February 2024 |
Supervisory Appeals Process |
Summary Available |
The revised supervisory appeals process is applicable as of February 22, 2024. |
| January 2024 |
Fees for Instantaneously Declined Transactions |
Summary Available |
Comments on the proposal are due by March 25, 2024 |
2023 CFPB Rules and Summaries
| Date |
CFPB Rules, Topics, Summaries |
Summaries/Comment Letters |
Important Date |
| December 2023 |
CFPB Proposed Rule on Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications |
Available |
Comments must be received by January 8, 2024 |
| October 2023 |
Required Rulemaking on Personal Financial Data Rights |
Comment Letter Available
Summary Available |
|
| October 2023 |
Consumer Information Requests to Large Banks and Credit Unions |
Available |
Effective on October 16, 2023 |
| September 2023 |
Threshold adjustments under TILA (Regulation Z) |
|
These adjustments are applicable on January 1, 2024, consistent with relevant statutory or regulatory provisions. |
| July 2023 |
Interagency Proposal on Quality Control Standards for Automated Valuation Models |
Available |
Comments must be received by August 21, 2023 |
| June 2023 |
CFPB Proposed Rule on Residential Property Assessed Clean Energy Financing (Regulation Z) |
Available |
Comments must be received by July 26, 2023 |
| May 2023 |
CFPB Advisory Opinion: Fair Debt Collection Practices Act and Time-Barred Debts |
Available |
Effective on May 1, 2023 |
| May 2023 |
Executive Summary of the Small Business Lending Rule |
Available |
The rule becomes effective 90 days after publication in the Federal Register. However, compliance is not required at that time. The rule has established compliance date tiers that differ depending on the number of covered originations an institution originated in 2022 and 2023. |
| April 2023 |
Credit Card Penalty Fees Proposal |
Available |
|
| April 2023 |
Request for Comment: Regulation Z Mortgage Loan Originator Rules Review Pursuant to the Regulatory Flexibility Act |
Available |
|
| March 2023 |
Regulation Z Mortgage Loan Originator Rules Review Pursuant to the Regulatory Flexibility Act |
Available |
|
| February 2023 |
Registry of Supervised Nonbanks that Use Form Contracts To Impose Terms and Conditions That Seek To Waive or Limit Consumer Legal Protections |
Available |
|
| January 2023 |
Request for Information Regarding Consumer Credit Card Market |
Available |
|
Archive
2022 CFPB Rules and Summaries Archive
CFPB Rules and Summaries 2021
CFPB Rules and Summaries 2020
CFPB Rules and Summaries 2019
CFPB Rules and Summaries 2018
CFPB Rules and Summaries 2017
