| Effective Date | Implementing Regulation | Regulatory Change | Outlook Article/Webinar |
|---|
| 2/7/2013 |
Reg. E |
CFPB final rule on foreign remittance transfers  |
|
| |
Dodd-Frank |
CFPB proposal to define larger participants in debt collector and consumer reporting agency markets subject to CFPB supervision |
|
| 1/1/2012 |
Reg. Z |
Annual adjustment of fee-based trigger for HOEPA loans |
|
| 1/1/2012 |
Regs. Z and M |
Annual adjustment of dollar threshold for exempt consumer credit and lease transactions |
|
| 12/30/2011 |
Reg. B |
CFPB interim final rule republishing Reg. B as a CFPB regulation, 12 C.F.R. part 1002 |
|
| 12/30/2011 |
Reg. C |
CFPB interim final rule republishing Reg. C as a CFPB regulation, 12 C.F.R. part 1003 |
|
| 12/30/2011 |
Reg. E |
CFPB interim final rule republishing Reg. E as a CFPB regulation, 12 C.F.R. part 1005 |
|
| 12/30/2011 |
Regs. G and H |
CFPB interim final rule republishing Regs. G and H (SAFE Act) as CFPB regulations, 12 C.F.R. parts 1007, 1008 |
|
| 12/30/2011 |
Regs. J, K, L |
CFPB interim final rule republishing Regs. J, K, and L (Interstate Land Sales Registration Program) as CFPB regulations, 12 C.F.R. parts 1010, 1011, 1012 |
|
| 12/30/2011 |
Reg. M |
CFPB interim final rule republishing Reg. M as a CFPB regulation, 12 C.F.R. part 1013 |
|
| 12/30/2011 |
Regs. N and O |
CFPB interim final rule republishing Regs. N (mortgage advertising) and O (mortgage relief services) as CFPB regulations, 12 C.F.R. parts 1014, 1015 |
|
| 12/30/2011 |
Reg. P |
CFPB interim final rule republishing Reg. P as a CFPB regulation, 12 C.F.R. part 1016 |
|
| 12/30/2011 |
Reg. V |
CFPB interim final rule republishing Reg. V as a CFPB regulation, 12 C.F.R. part 1022 |
|
| 12/30/2011 |
Reg. X |
CFPB interim final rule republishing Reg. X as a CFPB regulation, 12 C.F.R. part 1024 |
|
| 12/30/2011 |
Reg. Z |
CFPB interim final rule republishing Reg. Z as a CFPB regulation, 12 C.F.R. part 1026 |
|
| 12/30/2011 |
Reg. DD |
CFPB interim final rule republishing Reg. DD as a CFPB regulation, 12 C.F.R. part 1030 |
|
| |
|
CFPB solicits comments on streamlining regulations |
|
| * |
24 CFR Part 100 |
HUD proposal for uniform standards for identifying disparate impact discrimination under the FHA |
|
| 10/17/2011 |
Reg. H |
Revised interagency Q&A regarding flood insurance and new proposed questions on forced placement |
|
| 10/1/2011 |
Reg. II |
Final rule on debit card interchange fees and network exclusivity arrangements |
|
| 10/1/2011 |
Reg. Z |
Clarification of Credit CARD Act regulations |
|
| 8/15/2011 |
Reg. V |
Final rule to implement Dodd-Frank credit score disclosure requirement for risk-based pricing notices |
Q3 2011 |
| 8/15/2011 |
Reg. B |
Amended model ECOA/FCRA adverse action notice that includes Dodd-Frank Act credit score disclosure requirements |
|
| 7/29/2011 |
SAFE Act |
Deadline for mortgage loan originators employed by regulated institutions to register with SAFE Act registry |
|
| 7/22/2011 |
Reg. D |
CFPB interim final rule from under AMTPA to authorize state-chartered or licensed creditors to continue making mortgage transactions under parity with federal law |
|
| 7/21/2011 |
Regs. Z and M |
Increase in transaction coverage for Regulations Z and M from $25,000 to $50,000 |
Q3 2011 |
| 7/21/2011 |
Reg. II |
List of institutions subject to, and exempt from, debit card interchange fee standards |
|
| 7/21/2011 |
Reg. Q |
Final rule repealing Reg. Q (prohibiting interest on demand deposits for member banks of the Federal Reserve System) |
|
| * |
Dodd-Frank Act |
CFPB seeks comment on rulemaking defining larger participants in certain consumer financial products and services markets |
|
| * |
Reg. RR |
Proposal to implement Dodd-Frank provision defining "qualified residential mortgage" for purposes of securitization risk retention |
|
| * |
Reg. Z |
Proposal to implement Dodd-Frank provisions establishing ability-to-repay requirements for mortgages and limitations on prepayment penalties |
W |
| * |
Reg. E |
Proposal to implement Dodd-Frank provision creating new consumer protections for remittance transfers |
|
| * |
Reg. CC |
Proposal to amend Regulation CC regarding collection of checks and availability of funds |
|
| * |
Reg. B |
Final rule clarifying that motor vehicle dealers do not have to collect and report ECOA data until implementing regulations are issued |
|
| * |
CRA |
New list of distressed or underserved nonmetropolitan middle-income geographies |
|
| 5/1/2011 |
31 C.F.R.
Part 212 |
Agencies issue interim final rule for garnishment restrictions of federal benefit payments paid by direct deposit. |
|
| 4/1/2011 |
Reg. Z |
Final rule establishing escrow requirements for HPML jumbo mortgages |
|
| 4/1/2011 |
Reg. Z |
Final rule establishing restrictions on loan steering and loan originator compensation |
W |
| 4/1/2011 |
Reg. Z |
Interim final rule for appraisal independence requirements |
Q3 2011 |
| * |
Reg. Z |
Proposal to lengthen escrow periods for HPMLs and exempt certain creditors from escrow requirements |
|
| 1/30/2011 |
Reg. Z |
Revised MDIA interim rule for mortgage loans with variable rates or payments |
|
| 1/19/2011 |
Reg. BB |
CRA credit for certain Neighborhood Stabilization Program activities |
W |
| 1/1/2011 |
Reg. V |
Risk-based pricing notices |
Q4 2010 & W |
| 1/1/2011 |
Reg. Z |
Required notice to borrower when mortgage is sold or transferred |
|
| *Rulemaking proposals generally do not have an effective date, except for some of the proposed Dodd-Frank Act implementing regulations because Congress specified the effective date in the legislation. Agency requests for information also do not have effective dates. |
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