CFPB Rule Summaries

2025 CFPB Rules and Summaries

Date CFPB Notification of Rules Summaries/Comment Letters Important Dates
July CFPB Policy Statement on Referrals for Potential Criminal Enforcement Available The policy statement became effective as of June 27, 2025
June Consumer Financial Civil Penalty Fund Amendment Summary Comments on the proposed rule must be received by July 18, 2025.
June Procedure Relating to Rulemaking Rescission Summary The final rule is effective as of June 18, 2025
June Rescission of Protections for Borrowers Affected by the COVID-19 Emergency under RESPA Summary The Interim Final Rule becomes effective as of July 15, 2025, and comments are due by June 16, 2025. 
June Notice and Request for Comments: Extension of the Consumer Complaint Intake System Company Portal Boarding Form”  Summary Comments are due by July 21, 2025 
May Recission of the Bureau’s Interpretative Rule on the Authority of States to Enforce the Consumer Financial Protection Act of 2010 Summary The interpretative rule published on May 26, 2022 is rescinded effective May 15, 2025. 
May CFPB withdrawal of proposed interpretive rule  – Electronic Funds Transfers (Emerging Payment Mechanisms) Summary The Bureau is withdrawing this proposed interpretive rule effective as of May 15, 2025.  
May CFPB withdrawal of the proposed rule on Harmful Data Broker Practices Summary The Bureau is withdrawing its proposed rule on Harmful Data Broker Practices effective as of May 15, 2025.
May Proposed Rule on Prohibited Terms/Conditions in Agreements for Consumer Financial Products/Services Summary The Bureau will not take any further action on the NPRM at that time and the withdrawal is effective as of May 15, 2025. 
January CFPB Proposed Interpretive Rule/Request for Comment on EFTs Through Accounts Established for Personal, Family or Household Purposes Using Emerging Payment Mechanisms Summary Available
January CFPB Request for Information Regarding Consumer Credit Card Market Summary Available
January CFPB Request for Information Regarding the Collection, Use, and Monetization of Consumer Payment and Other Personal Financial Data Summary Available

2024 CFPB Rules and Summaries

Date CFPB Notification of Rules Summaries/Comment Letters Important Dates
December 2024 Proposed Rule to Stop Data Brokers from Selling Sensitive Personal Data to Scammers, Stalkers, and Spies Summary Available Comments must be received by April 2, 2025.
December 2024  CFPB Executive Summary on Residential PACE Financing Final Rule Summary Available The final rule will take effect on March 1, 2026.
December 2024 CFPB Executive Summary on Overdraft Lending Fees Summary Available The final rule will take effect on October 1, 2025.
November 2024 Personal Financial Data Rights Final Rule Executive Summary Available
October 2024 Proposed Rule/Request for Comments on Remittance Transfers under the Electronic Fund Transfer Act (Regulation E) Summary Available Comments must be received by November 4, 2024
July 2024 Truth in Lending Application to Earned Wage Access Advances Summary Available Comments must be received by August 30, 2024
July 2024 Proposal on Streamlining Mortgage Servicing for Borrowers Experiencing Payment Difficulties Summary Available Comments must be received by September 9, 2024.
July 2024 Interim Final Rule on Small Business Lending Under the ECOA; Extension of Compliance Dates Summary Available The Interim Final Rule is effective as of August 2, 2024.
June 2024 Request for Information Regarding Fees Imposed in Residential Mortgage Transactions Summary Available Comments are due by August 2, 2024
June 2024 Final Rule on Industry Standard Setting (Personal Financial Data Rights) Summary Available The rule becomes effective on July 11, 2024
June 2024 Notice and Request for Comment on the State Official Notification Rule Summary Available Comments are due by August 5, 2024
June 2024 Interpretive Rule: Truth in Lending (Regulation Z); Use of Digital User Accounts To Access Buy Now, Pay Later Loans Summary Available Comments are due by August 1, 2024
April 2024 Final Rule: Credit Card Penalty Fees Summary Available The rule becomes effective on May 14, 2024
February 2024 Supervisory Appeals Process Summary Available The revised supervisory appeals process is applicable as of February 22, 2024. 
January 2024 Fees for Instantaneously Declined Transactions Summary Available Comments on the proposal are due by March 25, 2024

2023 CFPB Rules and Summaries

Date CFPB Rules, Topics, Summaries Summaries/Comment Letters Important Date
December 2023 CFPB Proposed Rule on Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications Available Comments must be received by January 8, 2024
October 2023 Required Rulemaking on Personal Financial Data Rights Comment Letter Available

Summary Available
October 2023 Consumer Information Requests to Large Banks and Credit Unions Available Effective on October 16, 2023
September 2023 Threshold adjustments under TILA (Regulation Z) These adjustments are applicable on January 1, 2024, consistent with relevant statutory or regulatory provisions.
July 2023 Interagency Proposal on Quality Control Standards for Automated Valuation Models Available Comments must be received by August 21, 2023
June 2023 CFPB Proposed Rule on Residential Property Assessed Clean Energy Financing (Regulation Z) Available Comments must be received by July 26, 2023
May 2023 CFPB Advisory Opinion: Fair Debt Collection Practices Act and Time-Barred Debts Available Effective on May 1, 2023
May 2023 Executive Summary of the Small Business Lending Rule Available The rule becomes effective 90 days after publication in the Federal Register.  However, compliance is not required at that time. The rule has established compliance date tiers that differ depending on the number of covered originations an institution originated in 2022 and 2023.
April 2023 Credit Card Penalty Fees Proposal Available
April 2023 Request for Comment: Regulation Z Mortgage Loan Originator Rules Review Pursuant to the Regulatory Flexibility Act Available
March 2023 Regulation Z Mortgage Loan Originator Rules Review Pursuant to the Regulatory Flexibility Act Available
February 2023 Registry of Supervised Nonbanks that Use Form Contracts To Impose Terms and Conditions That Seek To Waive or Limit Consumer Legal Protections  Available
January 2023 Request for Information Regarding Consumer Credit Card Market  Available

Archive

2022 CFPB Rules and Summaries Archive

CFPB Rules and Summaries 2021

CFPB Rules and Summaries 2020

CFPB Rules and Summaries 2019

CFPB Rules and Summaries 2018

CFPB Rules and Summaries 2017