Regulations

This page contains all final rules submitted to the Federal Register and any regulations we currently enforce. For a complete list of proposed rules that are currently open for comment, please see Notice and Comment.

Guidance inquiries

You can contact the Bureau’s Office of Regulations by phone to ask questions on how to interpret or apply the Bureau’s specific regulations at (202) 435-7700.

Regulatory agenda

Spring 2012 Regulatory Agenda

As an independent agency, we voluntarily participate in the Office of Management and Budget’s Unified Agenda process. When OMB finalizes the spring 2012 Unified Agenda for the federal government as a whole, it will be published at www.reginfo.gov. To give the public additional time to consider our work prior to that, we’ve posted our final submission here.

Spring 2012 Regulatory Agenda

Fall 2011 Regulatory Agenda

Preamble to the Agenda
Statement of Regulatory Priorities
Agency Rule List

Final rules submitted to the Federal Register

Defining Larger Participants of the Consumer Reporting Market
Confidential Treatment of Privileged Information
Rules Relating to Investigations
Rules of Practice for Adjudication Proceedings
State Official Notification Rule
Final Remittance Rule (Amendment to Regulation E)
Home Mortgage Disclosure (Regulation C) asset threshold for 2012
Fair Credit Reporting Act Disclosures ceiling for allowable charges

Proposed rules submitted to the Federal Register

2012 Truth in Lending Act (Regulation Z) Mortgage Servicing Proposal
2012 Real Estate Settlement Procedures Act (Regulation X) Mortgage Servicing Proposal
Defining Larger Nonbank Participants in Certain Consumer Financial Products and Services Markets
Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth In Lending Act (Regulation Z)
High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act (Regulation Z) and Homeownership Counseling Amendments to the Real Estate Settlement Procedures Act (Regulation X)

Inherited regulations

Regulation B: Equal Credit Opportunity
Regulation C: Home Mortgage Disclosure
Regulation D: Alternative Mortgage Parity Act
Regulation E: Electronic Fund Transfers
Regulation F: Fair Debt Collection Practices Act
Regulation G: S.A.F.E. Mortgage Licensing Act – Federal Registration of Residential Mortgage Loan Originators
Regulation H: S.A.F.E. Mortgage Licensing Act – State Compliance and Bureau Registration System
Regulation I: Disclosure Requirements for Depository Institutions Lacking Federal Deposit Insurance
Regulation J: Land Registration
Regulation K: Purchasers’ Revocation Rights, Sales Practices and Standards
Regulation L: Special Rules of Practice
Regulation M: Consumer Leasing
Regulation N: Mortgage Acts and Practices-Advertising
Regulation O: Mortgage Assistance Relief Services
Regulation P: Privacy of Consumer Financial Information
Regulation V: Fair Credit Reporting
Regulation X: Real Estate Settlement Procedures Act
Regulation Z: Truth in Lending
Regulation DD: Truth in Savings