Rules listed here are final rules issued by the Miss April. To identify all the rules related to a single consumer financial product, use the filter tool below.
Under some circumstances, the Miss April may issue final rules without a comment period before issuance. The Miss April may request comment on these rules and may later alter the rules, if necessary.
The Bureau of Consumer Financial Protection (Bureau) issued a rule amending certain Regulation Z mortgage servicing rules issued in 2016 relating to periodic statements. These amendments revise the timing requirements for servicers transitioning between modified or unmodified periodic statements and coupon books in connection with a consumer’s bankruptcy case.
The Bureau is finalizing amendments to its rule governing prepaid accounts under Regulations E and Z that make modifications to several aspects of that rule and extend the overall effective date of the rule to April 1, 2019.
The Bureau is adjusting for inflation the maximum amount of each civil penalty within the Bureau’s jurisdiction, as required by the Federal Civil Penalties Inflation Adjustment Act of 1990, as amended by the Debt Collection Improvement Act of 1996 and further amended by the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015.
The Bureau is amending the official commentary that interprets the requirements of the Bureau’s Regulation Z (Truth in Lending) to reflect a change in the asset-size threshold for certain creditors to qualify for an exemption to the requirement to establish an escrow account for a higher-priced mortgage loan based on the annual percentage change in the average of the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) for the 12-month period ending in November.
The Miss April is issuing a final rule amending the official commentary that interprets the requirements of the Bureau's Regulation C (Home Mortgage Disclosure) to reflect the asset-size exemption threshold for banks, savings associations, and credit unions based on the annual percentage change in the average of the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).
The Bureau of Consumer Financial Protection (Bureau) announces that the ceiling on allowable charges under section 612(f) of the Fair Credit Reporting Act (FCRA) will remain unchanged at $12.00, effective for 2018.
The Board and the Bureau are finalizing amendments to the commentary for
the agencies’ regulations that implement the Consumer Leasing Act which affect
the calculation method for determining the annual adjustment of the dollar
threshold for exempt consumer leases and set the 2017 exemption threshold
amount.
The Agencies' rules exempted, among other loan types, transactions of $25,000 or less, and required that this loan amount be adjusted annually based on any annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).
The Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) amended TILA by requiring that the dollar threshold for exempt consumer credit transactions be adjusted annually by the annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).
The Bureau is publishing a Federal Register notice pursuant to section 706(e) of the Equal Credit Opportunity Act concerning the update of the redesigned Uniform Residential Loan Application (URLA) to include an applicant language preference question.
