2021-2022 CFPB Rules and Summaries

2022 Rule Summaries

Date	CFPB Notification of Rules	Summaries / Comment Letters	Important Dates
November	CFPB Notice and Request for Comment Regarding the CFPB’s Inquiry Into Big Tech Payment Platforms	Summary Available
October	Advisory Opinion: Fair Credit Reporting; Facially False Data	Summary Available	Effective date: October 26, 2022
September	Request for Information Regarding Mortgage Refinances and Forbearances	Summary Available
July	Fair Credit Reporting; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports	Summary Available	Effective date: July 5, 2022
July	Debt Collection Practices (Regulation F); Pay to Pay Fees	Summary Available	Effective date: July 5, 2022
June	Request for Information Regarding Employer-Driven Debt	Summary Available
June	Advanced Notice of Proposed Rulemaking regarding Credit Card Late Fees and Late Payments	Summary Available
June	Request for Information Regarding Relationship Banking and Customer Service	Summary Available
May	Authority of States To Enforce the Consumer Financial Protection Act of 2010	Summary Available	Effective date: May 26, 2022
May	Equal Credit Opportunity (Regulation B); Revocations or Unfavorable Changes to the Terms of Existing Credit Arrangements	Summary Available	Effective date: May 18, 2022
April	Supervisory Authority Over Certain Nonbank Covered Persons Based on Risk Determination; Public Release of Decisions/Orders	Summary Available
February	Request for Information Regarding Fees Imposed by Providers of Consumer Financial Products/Services	Summary Available
January	Notice and Request for Comment Regarding the CFPB’s Inquiry Into Buy-Now-Pay-Later (BNPL) Providers	Summary Available

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2021 Rule Summaries

Date	CFPB Notification of Rules	Summaries / Comment Letters	Important Dates
November	Notice and Request for Comment Regarding the CFPB’s Inquiry Into Big Tech Payment Platforms	Summary: Available	Comments close December 06, 2021
September	Proposed Rulemaking: September 2021 Proposal Regarding Small Business Lending Data Collection	Exec. Summary: Available
August	Interpretive Rule on Certain Mortgage and Disclosure Timing Requirements for the 2021 Juneteenth Federal Holiday	Summary: Available	Effective on August 12, 2021
June	Final Rule: Qualified Mortgage Definition Under the Truth in Lending Act (Regulation Z): General QM Loan Definition; Delay of Mandatory Compliance Date	Summary: Available	Effective on June 30, 2021
June	Interpretive Rule: Examinations for Risks to Active-Duty Servicemembers and Their Covered Dependents	Summary: Available	Effective on June 23, 2021
April	CFPB Proposes Delay of Effective Date for Recent Debt Collection Rules	Summary: Available
April	Final Rule — Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z): General QM Loan Definition; Delay of Mandatory Compliance Date Read an Executive Summary here	Summary: Available	Effective date June 30, 2021
April	Notice of Proposed Rulemaking: Protections for Borrowers Affected by the COVID-19 Emergency Under the Real Estate	Summary: Available
April	Final rule: Protections for Borrowers Affected by the COVID-19 Emergency Under the Real Estate Settlement Procedures Act (RESPA), Regulation X	Summary: Available	This final rule is effective on August 31, 2021.
March	Summary: Proposal to Delay the Mandatory Compliance Date of QM Definition Final Rule Read an Executive Summary here	Summary: Available
March	Request for Information and Comment on Financial Institutions’ Use of Artificial Intelligence, Including Machine Learning	Summary: Available  Comment Letter: Available
February	Final Rule: Qualified Mortgage Definition Under the Truth in Lending Act (Regulation Z): Seasoned QM Loan Definition	Summary: Available	Effective date: March 21, 2021
January	Final Rule, re: CFPB Debt Collection Practices (Time-Barred Debt)	Summary: Available	Effective date: January 29, 2022
January	Final rule, re: CFPB Debt Collection Practices (Communications)	Summary: Available	Effective date: January 29, 2022