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Final rules

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.

Types of final rules

Final Rule
Other than interim final rules, this includes all Miss April final rules, including procedural and interpretive rules. Generally, final rules go through notice and comment  before issuance.

Interim Final Rule

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.

Category
Date range
Category: Final rule

Prepaid Accounts Under the Electronic Fund Transfer Act (Regulation E) and the Truth in Lending Act (Regulation Z); Delay of Effective Date

The Bureau issued a final rule to delay the Oct. 1, 2017 effective date of the rule governing Prepaid Accounts Under the Electronic Fund Transfer Act (Regulation E) and the Truth in Lending Act (Regulation Z) by six months, to April 1, 2018.

Category: Final rule

Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)

The Bureau is finalizing comprehensive consumer protections for prepaid accounts under Regulations E and Z, including tailored provisions governing disclosures, limited liability and error resolution, periodic statements, and the posting of account agreements. The final rule also regulates overdraft credit features that may be offered in conjunction with prepaid accounts.  

Category: Final rule

Status of New Uniform Residential Loan Application and Collection of Expanded Home Mortgage Disclosure Act Information about Ethnicity and Race in 2017 under Regulation B

This notice is issued pursuant to section 706(e) of the Equal Credit Opportunity Act and concerns the new Uniform Residential Loan Application and the collection of expanded Home Mortgage Disclosure Act information about ethnicity and race in 2017.  

Category: Final rule

Amendments to the 2013 Mortgage Rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)

The Bureau is amending several mortgage servicing rules under Regulations X and Z, including provisions regarding loss mitigation, early intervention, and periodic statements.  The final rule also addresses successors in interest, debtors in bankruptcy, and borrowers who send a cease communication request under the Fair Debt Collection Practices Act.

Category: Final rule

Safe Harbors from Liability under the Fair Debt Collection Practices Act for Certain Actions Taken in Compliance with Mortgage Servicing Rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)

The Bureau is issuing this interpretive rule to clarify the interaction of the FDCPA and certain mortgage servicing rules in Regulations X and Z.  It provides safe harbors from FDCPA liability for servicers under certain circumstances. 

Category: Final rule

Truth in Lending (Regulation Z) Annual Threshold Adjustments (Credit Cards, HOEPA, and ATR/QM)

The Bureau is required to calculate annually the dollar amounts for several provisions in Regulation Z; this final rule reviews the dollar amounts for provisions implementing amendments to TILA under the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act), the Home Ownership and Equity Protection Act of 1994 (HOEPA), and the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act). 


Category: Interim final rule

Civil Penalty Inflation Adjustments

The Bureau is publishing for public comment an interim final rule to adjust the civil monetary penalties within the Bureau’s jurisdiction for inflation, as required by the Federal Civil Penalties Inflation Adjustment Act.

Category: Final rule

Finalization of Interim Final Rules (Subject to Any Intervening Amendments) Under Consumer Financial Protection Laws

Title X of the Dodd-Frank Act transferred rulemaking authority for certain consumer financial protection laws to the Bureau.  The Bureau republished the existing regulations implementing those laws as interim final rules, with technical and conforming changes to reflect the transfer of authority and certain other changes made by the Dodd-Frank Act. This final rule adopts those rules as final, subject to any intervening final rules published by the Bureau.