Notice and comment

On this page, you can find the consumer bureau’s Federal Register notices, and the public comments received in response. (What does this all mean? Click or scroll down.)

Open for comment

You can currently provide comments on these notices. Click through to find instructions. You can find closed notices lower down this page.

Policy To Encourage Trial Disclosure Programs; Information Collection
Notice of proposed policy and proposed information collection with request for comment
Closes Feb. 15, 2013 | Submit a comment

Request for Information Regarding Credit Card Market
Notice and request for information.
Closes Feb. 19, 2013 | Submit a comment

Ability to Repay Standards Under the Truth in Lending Act (Regulation Z)
Proposed rule with request for public comment
Closes Feb. 25, 2013 | Submit a comment
Comments on the Paperwork Reduction Act analysis in part VIII of this Federal Register notice must be received on or before March 1, 2013.

Request for Information Regarding Financial Products Marketed to Students Enrolled in Institutions of Higher Education
Notice and request for information.
Closes March 18, 2013 | Submit a comment

Closed notices

The comment period for these notices has expired. You can read the original notices and review the comments we received.

Remittance Rule (Amendment to Regulation E)
Proposed rule with request for public comment
Closed Jan. 30, 2013 | Read comments

Escrow Requirements Under the Truth in Lending Act (Regulation Z)
Final Rule; official interpretation
Closed Jan. 22, 2013; Effective June 1, 2013

Truth in Lending (Regulation Z)
Proposed rule with request for public comment
Closed Jan. 7, 2013 | Read comments

Defining Larger Participants of the Consumer Debt Collection Market; Correction
Final rule; correction
Closed Dec. 7, 2012; Effective Jan. 2, 2013

Delayed Implementation of Certain New Mortgage Disclosures
Final Rule; official interpretation
Closed Nov. 23, 2012; Effective Nov. 23, 2012

Truth in Lending (Regulation Z)
Final Rule; official interpretation
Closed Nov. 21, 2012; Effective Jan. 1, 2013

Truth in Lending (Regulation Z)
Final rule; official interpretations and commentary
Closed Nov. 21, 2012; Effective Jan. 1, 2013

Consumer Leasing (Regulation M)
Final rule; official interpretations and commentary
Closed Nov. 21, 2012; Effective Jan. 1, 2013

Fair Credit Reporting (Regulation V); Correction
CORRECTING Amendments
Closed Nov. 14, 2012; Effective Nov. 14, 2012

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)
Proposed rule with request for public comment
Closed Nov. 6, 2012 | Read comments
The comment period for whether and how to account for the implications of a more inclusive finance charge on the scope of HOEPA coverage, see proposed Sec. 1026.32(a)(1)(i) and (b)(1)(i), was extended to November 6, 2012. The comment period for all other proposed amendments closed on September 7th. The Paperwork Reduction Act comment period closed October 15, 2012. Closed 09/07/2012 (Paperwork Reduction Act comment period closed October 15, 2012. See also Notice of Comment Extension on whether and how to account for the implications of a more inclusive finance charge on the scope of HOEPA coverage.)

Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)
Proposed rule with request for public comment
Closed Nov. 6, 2012 | Read comments
Comments regarding the proposed amendments to 12 CFR 1026.1(c) closed 09/07/2012. See also Notice of Comment Extension for revised finance charge definition.

Request for Information on Effective Financial Education
Notice and request for information.
Closed Oct. 31, 2012 | Read comments
Due to the impacts of Hurricane Sandy, the Bureau extended the deadline of this comment period from October 31, 2012, until November 2, 2012.

Defining Larger Participants of the Consumer Debt Collection Market
Final Rule
Closed Oct. 31, 2012; Effective Jan. 2, 2013 | Read comments

Electronic Fund Transfers; Intent to Make Determination of Effect on State Laws (Maine and Tennessee)
Notice of intent to make preemption determination
Closed Oct. 22, 2012 | Read comments

Truth in Lending Act (Regulation Z); Loan Originator Compensation
Proposed rule with request for public comment
Closed Oct. 16, 2012 | Read comments
Comments must be received on or before October 16, 2012, except for comments on the Paperwork Reduction Act analysis in part IX of this document, which must be received on or before November 6, 2012.

Equal Credit Opportunity Act - Appraisals (Regulation B)
Proposed rule with request for public comment
Closed Oct. 15, 2012 | Read comments
Comments must be received on or before October 15, 2012, except that comments on the Paperwork Reduction Act analysis in part VIII of the Supplementary Information must be received on or before October 22, 2012.

Appraisals for Higher Risk Mortgage Loans
Proposed rule with request for public comment
Closed Oct. 15, 2012 | Read comments
AGENCIES: Board of Governors of the Federal Reserve System (Board); Bureau of Consumer Financial Protection (Bureau); Federal Deposit Insurance Corporation (FDIC); Federal Housing Finance Agency (FHFA); National Credit Union Administration (NCUA); and Office of the Comptroller of the Currency, Treasury (OCC). Comments must be received on or before October 15, 2012, except that comments on the Paperwork Reduction Act analysis in part VIII of the Supplementary Information must be received on or before November 5, 2012.

2012 Real Estate Settlement Procedures Act (Regulation X) Mortgage Servicing Proposal
Proposed rule with request for public comment
Closed Oct. 9, 2012 | Read comments
Comments must be received on or before October 9, 2012, except that comments on the Paperwork Reduction Act analysis in part IX of this Federal Register notice must be received on or before November 16, 2012. Update (8/20/12): The proposal was updated to reflect corrections and other changes on page 9 concerning litigation and settlements concerning servicing.

2012 Truth in Lending Act (Regulation Z) Mortgage Servicing Proposal
Proposed rule with request for public comment
Closed Oct. 9, 2012 | Read comments
Comments must be received on or before October 9, 2012, except that comments on the Paperwork Reduction Act analysis in part IX of the Federal Register notice must be received on or before November 16, 2012. Update (8/20/12): The proposal was updated to reflect corrections and other changes on page 9 concerning litigation and settlements concerning servicing.

Enforcement of Nondiscrimination on the Basis of Disability in Programs and Activities Conducted by the Bureau of Consumer Financial Protection
Interim final rule with Request for Public Comment
Closed Oct. 5, 2012; Effective Aug. 6, 2012 | Read comments

Consumer Use of Reverse Mortgages
Notice and request for information.
Closed Aug. 31, 2012 | Read comments

Request for Information Regarding Senior Financial Exploitation
Request for Information
Closed Aug. 30, 2012 | Read comments

Equal Access to Justice Act Implementation Rule
Interim final rule with Request for Public Comment
Closed Aug. 28, 2012 | Read comments

Electronic Fund Transfers (Regulation E)
Final Rule; official interpretation
Closed Aug. 20, 2012; Effective Feb. 7, 2013 | Read comments

Request for Information Regarding Complaints from Private Education Loan Borrowers
Notice and request for information.
Closed Aug. 13, 2012 | Read comments

Procedural Rules to Establish Supervisory Authority over Certain Nonbank Covered Persons Based on Risk Determination
Proposed rule with request for public comment
Closed July 24, 2012 | Read comments

Electronic Fund Transfers (Regulation E) (Prepaid Cards ANRPM)
Advance Notice of Proposed Rulemaking
Closed July 23, 2012 | Read comments

Defining Larger Participants of the Consumer Reporting Market
Final Rule
Closed July 20, 2012; Effective Sept. 30, 2012 | Read comments

Electronic Fund Transfers (Regulation E); Correction
Final Rule; official interpretation; CORRECTION
Closed July 10, 2012; Effective Feb. 7, 2013 | Read comments

Disclosure of Consumer Complaint Data
Notice of proposed policy statement
Closed July 9, 2012 | Read comments

Truth in Lending (Regulation Z) (Qualified Mortgage, Ability to Repay)
Notice of reopening of comment period and request for comment
Closed July 9, 2012 | Read comments

Confidential Treatment of Privileged Information
Final Rule
Closed July 5, 2012; Effective Aug. 6, 2012 | Read comments

Impacts of Overdraft Programs on Consumers
Notice and request for information; extension of comment period.
Closed June 29, 2012 | Read comments

State Official Notification Rules
Final Rule
Closed June 29, 2012; Effective June 29, 2012 | Read comments

Rules of Practice for Adjudication Proceedings
Final Rule
Closed June 29, 2012; Effective June 29, 2012 | Read comments

Rules Relating to Investigations
Final Rule
Closed June 29, 2012; Effective June 29, 2012 | Read comments

Supplemental Standards of Ethical Conduct for Employees of the Bureau of Consumer Financial Protection
Interim final rule with Request for Public Comment
Closed June 26, 2012 | Read comments

Request for Information Regarding Scope, Methods, and Data Sources for Conducting Study of Pre-Dispute Arbitration Agreements
Notice and request for information.
Closed June 23, 2012 | Read comments

Disclosure of Certain Credit Card Complaint Data
Notice of final policy statement.
Closed June 19, 2012; Effective June 19, 2012 | Read comments

Truth in Lending (Regulation Z)
Proposed rule with request for public comment
Closed June 11, 2012 | Read comments

Proposed Collection; Comment Request (Quantitative Testing of Integrated Mortgage Loan Disclosure Forms)
Notice and request for comment.
Closed May 29, 2012 | Read comments

Proposed Collection; Comment Request (Attitudes, Understanding, and Behaviors with Respect to Financial Services and Products)
Notice and request for comment.
Closed May 29, 2012 | Read comments

Proposed Collection; Comment Request (Generic Clearance for User Testing of Consumer Financial Products and Services)
Notice and request for comment.
Closed May 29, 2012 | Read comments

Interstate Land Sales Registration Program, Special Rules of Practice; Correction
CORRECTING Amendments
Closed May 3, 2012; Effective May 3, 2012 | Read comments

Impacts of Overdraft Programs on Consumers
Notice and request for information.
Closed April 30, 2012 | Read comments

Streamlining Inherited Regulations
Notice of streamlining project; request for information.
Closed April 30, 2012 | Read comments
Initial comment period closed 03/05/2012; comment response period closed 06/04/2012.

Proposed Collection; Comment Request (Applications for Advisory Boards, Groups, and Committees)
Notice and request for comment.
Closed April 24, 2012 | Read comments

Request for Comment on Payday Lending Hearing Transcript
Notice and request for comment.
Closed April 23, 2012 | Read comments

Defining Larger Participants in Certain Consumer Financial Product and Service Markets
Proposed rule with request for public comment
Closed April 17, 2012 | Read comments

Confidential Treatment of Privileged Information
Proposed rule with request for public comment
Closed April 16, 2012 | Read comments

Electronic Fund Transfers (Regulation E)
Proposed rule with request for public comment
Closed April 9, 2012 | Read comments

Fair Credit Reporting Act Disclosures
Notice regarding charges for certain disclosures under the Fair Credit Reporting Act
Closed April 3, 2012; Effective April 30, 2012 | Read comments

Proposed collection; comment request (Clearance for Financial Education Program Evaluation)
Notice and request for comment.
Closed March 19, 2012 | Read comments

Agency Information Collection Activities; Renewal of Currently Approved Collections; Comment Request
Notice and request for comment.
Closed March 19, 2012 | Read comments

Proposed Collection; comment request (Report of Terms of Credit Card Plans)
Notice and request for comment.
Closed March 19, 2012 | Read comments

Streamlining Inherited Regulations
Notice of streamlining project; request for information; extension of comment response period.
Closed March 13, 2012 | Read comments
Initial comment period closed 03/05/2012; comment response period closed 06/04/2012.

Electronic Fund Transfers (Regulation E)
Interim final rule with Request for Public Comment
Closed Feb. 27, 2012; Effective Dec. 30, 2011 | Read comments

Truth in Savings (Regulation DD)
Interim final rule with Request for Public Comment
Closed Feb. 21, 2012; Effective Dec. 30, 2011 | Read comments

Truth in Lending (Regulation Z)
Interim final rule with Request for Public Comment
Closed Feb. 21, 2012; Effective Dec. 30, 2011 | Read comments

Fair Credit Reporting (Regulation V)
Interim final rule with Request for Public Comment
Closed Feb. 21, 2012; Effective Dec. 30, 2011 | Read comments

Interstate Land Sales Registration Program (Regulations J, K, and L)
Interim final rule with Request for Public Comment
Closed Feb. 21, 2012; Effective Dec. 30, 2011 | Read comments

Equal Credit Opportunity (Regulation B)
Interim final rule with Request for Public Comment
Closed Feb. 21, 2012; Effective Dec. 30, 2011 | Read comments

Consumer Leasing (Regulation M)
Interim final rule with Request for Public Comment
Closed Feb. 17, 2012; Effective Dec. 30, 2011 | Read comments

S.A.F.E. Mortgage Licensing Act (Regulations G & H)
Interim final rule with Request for Public Comment
Closed Feb. 17, 2012; Effective Dec. 30, 2011 | Read comments

Home Mortgage Disclosure Act (Regulation C)
Interim final rule with Request for Public Comment
Closed Feb. 17, 2012; Effective Dec. 30, 2011 | Read comments

Home Mortgage Disclosure (Regulation C)
Final rule; official commentary
Closed Feb. 15, 2012; Effective Feb. 15, 2012 | Read comments

Mortgage Acts and Practices - Advertising (Regulation N); Mortgage Assistance Relief Services (Regulation O)
Interim final rule with Request for Public Comment
Closed Feb. 14, 2012; Effective Dec. 30, 2011 | Read comments

Disclosure Requirements for Depository Institutions Lacking Federal Deposit Insurance (Regulation I)
Interim final rule with Request for Public Comment
Closed Feb. 14, 2012; Effective Dec. 30, 2011 | Read comments

Fair Debt Collection Practices Act (Regulation F)
Interim final rule with Request for Public Comment
Closed Feb. 14, 2012; Effective Dec. 30, 2011 | Read comments

Electronic Fund Transfers (Regulation E)
Final Rule; official interpretation
Closed Feb. 7, 2012; Effective Feb. 7, 2013 | Read comments

Disclosure of Certain Credit Card Complaint Data
Notice of proposed policy statement with request for comment.
Closed Jan. 30, 2012 | Read comments

Proposed Collection; Comment Request (Generic Clearance for Development and/or Testing of Model Forms, Disclosures, Tools, and Other Similar Related Materials)
Notice and request for comment.
Closed Jan. 30, 2012 | Read comments

Proposed Collection; Comment Request (CFPB State Official Notification Rules)
Notice and request for comment.
Closed Jan. 20, 2012 | Read comments

Request for Information Regarding Private Education Loans and Private Educational Lenders
Notice and request for information.
Closed Jan. 17, 2012 | Read comments

Submission for OMB Review; Comment Request (Emergency Clearance Request; Qualatitive Testing of Mortgage Servicing Related Model Forms and Disclosures)
Notice and request for comment.
Closed Jan. 13, 2012 | Read comments

Proposed Collection; Comment Request (Generic Clearance for Consumer Complaint and Information Collection Systems)
Notice and request for comment.
Closed Dec. 30, 2011 | Read comments

Real Estate Settlement Procedures Act (Regulation X)
Interim final rule with Request for Public Comment
Closed Dec. 30, 2011; Effective Dec. 30, 2011 | Read comments

Consumer Leasing (Regulation M); Correction
Interim final rule; CORRECTION
Closed Dec. 29, 2011; Effective Dec. 30, 2011 | Read comments

Disclosure of Records and Information [Housekeeping Rule]
Interim final rule with Request for Public Comment
Closed Sept. 26, 2011; Effective July 28, 2011 | Read comments

Alternative Mortgage Transaction Parity Act [Regulation D]
Interim final rule with Request for Public Comment
Closed Sept. 26, 2011; Effective July 28, 2011 | Read comments

State Official Notification Rules
Interim final rule with Request for Public Comment
Closed Sept. 26, 2011; Effective July 28, 2011 | Read comments

Rules of Practice for Adjudication Proceedings
Interim final rule with Request for Public Comment
Closed Sept. 26, 2011; Effective July 28, 2011 | Read comments

Rules Relating to Investigations
Interim final rule with Request for Public Comment
Closed Sept. 26, 2011; Effective July 28, 2011 | Read comments

Request for Information on Consumer Financial Products and Services Offered to Servicemembers
Notice and request for comment.
Closed Sept. 20, 2011 | Read comments

Defining Larger Participants in Certain Consumer Financial Products and Services Markets
Notice and request for comment.
Closed Aug. 15, 2011 | Read comments

Identification of Enforceable Rules and Orders [1063(i)]
Final List
Closed July 21, 2011; Effective July 21, 2011 | Read comments

Identification of Enforceable Rules and Orders [1063(i)]
Notice and request for comment.
Closed June 30, 2011 | Read comments

Designated Transfer Date
Notice
Closed Sept. 20, 2010; Effective Sept. 20, 2010 | Read comments