CFPB Rules and Summaries 2021

CFPB Rules and Summaries 2021

Date Rule/Topic Summaries/Comment Letters Important Date
August 2021 Interpretive Rule on Certain Mortgage and Disclosure Timing Requirements for the 2021 Juneteenth Federal Holiday Summary: Available Effective on August 12, 2021 
June 2021 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 2021 Interpretive Rule: Examinations for Risks to Active-Duty Servicemembers and Their Covered Dependents Summary: Available Effective on June 23, 2021 
April 2021 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 2021 CFPB Proposes Delay of Effective Date for Recent Debt Collection Rules Summary: Available
April 2021 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.
April 2021 Notice of Proposed Rulemaking: Protections for Borrowers Affected by the COVID-19 Emergency Under the Real Estate Summary: Available
March 2021

Summary: Proposal to Delay the Mandatory Compliance Date of QM Definition Final Rule

Read an Executive Summary here

Summary: Available
March 2021

Request for Information and Comment on Financial Institutions’ Use of Artificial Intelligence, Including Machine Learning

Summary: Available 

Comment Letter: Available

February 2021

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 2021 Final Rule, re: CFPB Debt Collection Practices (Time-Barred Debt) Read the announcement for the change of date here. Summary: Available Effective date: January 29, 2022 
January 2021 Final rule, re: CFPB Debt Collection Practices (Communications) Read the announcement for the change of date here. Summary: Available Effective date: January 29, 2022 

CFPB Rules and Summaries 2020

CFPB Rules and Summaries 2019

CFPB Rules and Summaries 2018

CFPB Rules and Summaries 2017