Archive of closed notices

The notices listed below are no longer open for public comment. Select a document title to read the full text of the notice or the comments that were received.

Filter archived notices Category Advance notice of proposed rulemaking Archived rule Information collection activities Intent to make preemption determination Interim final rule Notice related to Privacy Act Proposed policy Proposed rule Request for comment or information Topics Access to credit Add-on products Arbitration Auto loans Banking Business loans Call for evidence Checking account Civil Penalty Fund Community banks Compliance Consumer Advisory Board Consumer complaints Consumer Financial Protection Bureau Credit CARD Act Credit cards Credit reports and scores Credit unions Data Debit cards Debt collection Deceptive practices Disasters and emergencies Discrimination Electronic payments Enforcement Equal Credit Opportunity Act Fair Credit Reporting Act Fair Debt Collection Practices Act Fair lending Financial coaching Financial education Financial service providers Financial well-being FOIA Foreclosure Home Mortgage Disclosure Act Innovation Junk fees Medical debt Military Lending Act Mobile financial services Money transfers Mortgages Mortgage servicing Older Americans Open government Overdraft Partnerships Payday loans Personnel Prepaid cards Privacy Real Estate Settlement Procedures Act (RESPA) Redlining Regulation B Regulation E Regulation G Regulation I Regulation M Regulation N Regulation O Regulation P Regulation Z Remittances Research Reverse mortgages Rulemaking Saving SBREFA Servicemembers Small dollar lending Student loans Students Supervision Truth in Lending Act (TILA) UDAAPs Virtual currency Date range From: To: Apply filters Clear filters 313 filtered results
Advance notice of proposed rulemaking Published

DEC 11, 2025

Defining Larger Participants of the Consumer Debt Collection Market

The CFPB is considering issuing a proposal to amend the test for determining larger participant status in the consumer debt collection market.
- Call for evidence
- Debt collection
- Rulemaking
- Supervision

Advance notice of proposed rulemaking Published

DEC 11, 2025

Defining Larger Participants of the Consumer Reporting Market

The CFPB is considering issuing a proposal to amend the test for determining larger participant status in the consumer reporting market.
- Call for evidence
- Credit reports and scores
- Rulemaking
- Supervision

Advance notice of proposed rulemaking Published

DEC 11, 2025

Defining Larger Participants of the International Money Transfer Market

The CFPB is considering issuing a proposal to amend the test for determining larger participant status in the international money transfer market.
- Call for evidence
- Money transfers
- Remittances
- Rulemaking
- Supervision

Advance notice of proposed rulemaking Published

DEC 11, 2025

Defining Larger Participants of the Automobile Financing Market

The CFPB is considering issuing a proposal to amend the test for determining larger participant status in the automobile financing market.
- Auto loans
- Call for evidence
- Rulemaking
- Supervision

Proposed rule Published

DEC 11, 2025

Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; Proposed Rescission

The CFPB is proposing to rescind its rule establishing a registry of certain final public orders applicable to certain nonbank covered persons.
- Call for evidence
- Rulemaking
- Supervision

Proposed rule Published

JAN 10, 2025

Electronic Fund Transfers Through Accounts Established Primarily for Personal, Family, or Household Purposes Using Emerging Payment Mechanisms (Electronic Fund Transfer Act; Regulation E)

Proposed Rule related to digital assets operating as a medium of exchange or payment in accounts established primarily for personal, family, or household purposes.
- Money transfers
- Regulation E
- Virtual currency

Proposed rule Published

SEP 20, 2024

Remittance Transfers Under the Electronic Fund Transfer Act (Regulation E)

The CFPB proposes a narrowly tailored amendment to Regulation E to ensure that consumers sending a remittance transfer have information about the types of inquiries that may be most efficient to direct to the CFPB and the State agency that licenses or charters their remittance transfer provider.
- Electronic payments
- Money transfers
- Regulation E
- Rulemaking

Interim final rule Published

JUN 25, 2024

Small Business Lending under the Equal Credit Opportunity Act (Regulation B); Extension of Compliance Dates

Small business lending rule extension of compliance dates
- Access to credit
- Business loans
- Data
- Discrimination
- Equal Credit Opportunity Act
- Fair lending
- Redlining
- Regulation B
- Rulemaking

Proposed rule Published

JAN 24, 2024

Nonsufficient Funds (NSF) Fees for Instantaneously Declined Transactions

The CFPB proposes to prohibit covered financial institutions from charging nonsufficient funds (NSF) fees on payment transactions that are instantaneously declined because such fees would constitute an abusive practice.
- Checking account
- Debit cards
- Electronic payments
- Junk fees
- UDAAPs

Proposed rule Published

JAN 17, 2024

Overdraft Lending: Very Large Financial Institutions Proposed Rule

The CFPB proposes to amend Regulations E and Z to update regulatory exceptions for overdraft credit provided by very large financial institutions.
- Credit cards
- Debit cards
- Electronic payments
- Junk fees
- Overdraft
- Rulemaking
- Small dollar lending

Proposed rule Published

NOV 07, 2023

Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications

CFPB proposal to supervise large providers of consumer payment applications.
- Compliance
- Consumer Financial Protection Bureau
- Electronic payments
- Financial service providers
- Money transfers
- Prepaid cards
- Rulemaking
- Supervision
- Virtual currency

Proposed rule Published

OCT 19, 2023

Required Rulemaking on Personal Financial Data Rights

CFPB Issues Required Rulemaking on Personal Financial Data Rights (CFPA section 1033)
- Banking
- Checking account
- Credit cards
- Data
- Debit cards
- Electronic payments
- Privacy
- Rulemaking

Request for comment or information Published

JUL 07, 2023

Request for Information on Medical Payment Products

The Consumer Financial Protection Bureau (CFPB) is seeking comments from the public related to medical payment products. The submissions in response to this request for information will serve to assist the CFPB and policymakers in understanding the current state of business practices in exercising enforcement, supervision, regulatory, and other authorities.
- Call for evidence
- Credit cards
- Debt collection
- Medical debt
- Small dollar lending

Proposed rule Published

MAY 01, 2023

Residential Property Assessed Clean Energy Financing (Regulation Z)

The Bureau proposes to address how the Truth in Lending Act applies to Property Assessed Clean Energy (PACE) financing transactions to account for the unique nature of PACE.
- Mortgages
- Rulemaking
- Truth in Lending Act (TILA)

Request for comment or information Published

APR 03, 2023

Statement of Policy Regarding Prohibition on Abusive Acts or Practices

The CFPB has issued a policy statement that explains the legal prohibition on abusive conduct in banking and nonbanking consumer financial markets.
- Enforcement
- Supervision

Request for comment or information Published

MAR 15, 2023

Request for Information Regarding Data Brokers and Other Business Practices Involving the Collection and Sale of Consumer Information

The Consumer Financial Protection Bureau (CFPB) is seeking comments from the public related to data brokers.
- Call for evidence
- Credit reports and scores
- Data
- Fair Credit Reporting Act

Request for comment or information Published

MAR 10, 2023

Regulation Z’s Mortgage Loan Originator Rules Review Pursuant to the Regulatory Flexibility Act

The Consumer Financial Protection Bureau is seeking comment on the economic impact of Regulation Z’s Mortgage Loan Originator Rules on small entities.
- Call for evidence
- Mortgages
- Truth in Lending Act (TILA)

Request for comment or information Published

FEB 06, 2023

CFPB.004—Enforcement Database

The Bureau revises its Privacy Act System of Records Notice (SORN) “CFPB.004—Enforcement Database”.
- Enforcement
- Open government
- Privacy

Proposed rule Published

FEB 01, 2023

Credit Card Penalty Fees (Regulation Z)

The Bureau proposes to amend Regulation Z to better ensure that the late fees charged on credit card accounts are “reasonable and proportional.” to the late payment.
- Credit CARD Act
- Credit cards

Request for comment or information Published

JAN 24, 2023

Request for Information Regarding Consumer Credit Card Market

The Credit CARD Act requires the Bureau to conduct a review of the consumer credit card market, within the limits of its existing resources available for reporting purposes. In connection with conducting that review, and in accordance with the act, the Bureau is soliciting information from the public about a number of aspects of the consumer credit card market.
- Credit CARD Act
- Credit cards
- Debt collection

Proposed rule Published

JAN 11, 2023

Registry of Supervised Nonbanks that Use Form Contracts to Impose Terms and Conditions That Seek to Waive or Limit Consumer Legal Protections

The Bureau is proposing to establish a public registry for nonbanks subject to the Bureau’s supervisory authority that use covered terms or conditions, as described in the proposed rule, in a new part 1092 in title 12 of the Code of Federal Regulations.
- Arbitration
- Auto loans
- Call for evidence
- Compliance
- Data
- Deceptive practices
- Enforcement
- Financial service providers
- Foreclosure
- Medical debt
- Military Lending Act
- Mortgage servicing
- Mortgages
- Payday loans
- Rulemaking
- Servicemembers
- Small dollar lending
- Student loans
- Supervision

Proposed rule Published

DEC 12, 2022

Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders

The Bureau is proposing to establish a public registry for certain nonbank covered persons that are subject to certain agency and court orders.
- Call for evidence
- Compliance
- Deceptive practices
- Enforcement
- Financial service providers
- Rulemaking
- Supervision

Intent to make preemption determination Published

DEC 07, 2022

Notice of Intent to Make Preemption Determination under the Truth in Lending Act

This notice responds to a request that the CFPB make a preemption determination regarding certain provisions in a commercial financing law in New York State. The notice states the CFPB’s intent to make a determination, its preliminary conclusion that TILA does not preempt the New York law, and the possibility of issuing a determination on commercial financing laws in three other states. The notice solicits public comment.
- Regulation Z
- Truth in Lending Act (TILA)

Request for comment or information Published

NOV 07, 2022

Notice and Request for Comment Regarding the CFPB's Inquiry Into Big Tech Payment Platforms

On October 21, 2021, the Consumer Financial Protection Bureau (Bureau or CFPB) ordered six large technology companies operating payments systems in the United States to provide information about certain of their business practices.
- Data
- Financial service providers

Request for comment or information Published

SEP 27, 2022

Request for Information Regarding Mortgage Refinances and Forbearances

The Consumer Financial Protection Bureau (CFPB) is seeking comment from the public about (1) ways to facilitate mortgage refinances for consumers who would benefit from refinancing, especially consumers with smaller loan balances; and (2) ways to reduce risks for consumers who experience disruptions in their financial situation that could interfere with their ability to remain current on their mortgage payments.
- Mortgages

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