Consumer Financial Protection Bureau
Federal agency responsible for regulations under Consumer Financial Protection Bureau.
47 regulationsHome Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold
This regulation updates the rules for which banks and lenders must report detailed information about their mortgage lending practices. By adjusting the asset size threshold, smaller financial institutions may now be required to disclose more data about who they lend to and on what terms, making the mortgage lending market more transparent.
Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold
This rule adjusts the size threshold that determines which lenders must follow detailed federal lending rules under the Truth in Lending Act. The change affects which banks and financial companies have to provide borrowers with clear disclosures about loan terms, interest rates, and costs.
Appraisals for Higher-Priced Mortgage Loans Exemption Threshold
This rule changes when banks must order professional appraisals for expensive home loans. By raising the threshold for appraisal requirements, some borrowers with higher-priced mortgages may face faster loan approvals, though they could have less protection against overpaying for their homes.
Fair Credit Reporting Act Disclosures
This regulation updates how credit reporting companies must disclose information to consumers about their credit reports and credit scores. It ensures people have clearer access to information about what lenders are seeing when they check their creditworthiness, making it easier to spot errors and understand their financial standing.
Consumer Leasing (Regulation M)
This regulation updates the federal rules for consumer leasing, which apply when you rent cars, appliances, or other goods. The changes are designed to make leasing agreements clearer and fairer by requiring companies to provide better information upfront so you understand the costs and terms before you sign.
Truth in Lending (Regulation Z)
This regulation updates rules that require lenders to clearly explain the true cost of borrowing money, including interest rates and fees. The changes make it easier for consumers to understand and compare loans, credit cards, and mortgages so they can make better financial decisions.
Truth in Lending (Regulation Z) Annual Threshold Adjustments (Credit Cards, HOEPA, and Qualified Mortgages)
The Consumer Financial Protection Bureau adjusts the dollar limits used in lending laws to keep up with inflation each year. These adjustments affect credit card rules, protections for high-cost mortgages, and standards for qualified mortgages, ensuring that consumer protections remain meaningful as prices rise.
Equal Credit Opportunity Act (Regulation B)
The Consumer Financial Protection Bureau is proposing updates to rules that prevent discrimination in lending and credit decisions. The changes aim to ensure that banks, credit card companies, and other lenders treat all customers fairly regardless of their personal characteristics, and make the rules clearer for both consumers and financial institutions.
Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)
This proposed rule would update federal lending guidelines to make sure small business loans are offered fairly to all borrowers, regardless of their race, color, religion, sex, or national origin. The Consumer Financial Protection Bureau is clarifying how banks and lenders must follow anti-discrimination laws when deciding whether to approve small business loans.
Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; Rescission
The Consumer Financial Protection Bureau is eliminating a registry that tracked non-bank financial companies operating under government orders or court decisions. This change removes a public record that consumers and others could use to identify which financial companies were under regulatory supervision or restrictions.
Registry of Supervised Nonbanks That Use Form Contracts To Impose Terms and Conditions That Seek To Waive or Limit Consumer Legal Protections; Withdrawal
The Consumer Financial Protection Bureau (CFPB) is withdrawing a proposed rule that would have created a list of non-bank financial companies using contracts that strip away consumer legal protections. This withdrawal means the CFPB is no longer moving forward with tracking and regulating these companies' unfair contract practices.
Rules of Practice for Adjudication Proceedings
The Consumer Financial Protection Bureau (CFPB) updated its rules for how it conducts official hearings and makes decisions about violations by banks and financial companies. These changes affect how consumers and financial institutions can present their cases when disputes arise over whether companies broke consumer protection laws.