CFPB – Page 11 – Regulatory Report

What's up

[ September 5, 2025 ] Credit unions see loan growth outside of that for cars; ROAA — and delinquencies — on upswing NCUA
[ September 5, 2025 ] FinCEN guidance says cross-border sharing of certain facts underlying a SAR not barred by BSA Other
[ September 5, 2025 ] FDIC list shows 2 banks ‘outstanding,’ 1 ‘needs to improve’ under CRA FDIC
[ September 4, 2025 ] ‘Disparate impact’ being written out of NCUA exam, supervision processes NCUA
[ September 4, 2025 ] AI drives at least some strength for commercial real estate, but otherwise economic growth flat, Fed report finds The Fed

CFPB eyes mortgage-related ‘junk’ fees, seeks public input by Aug. 2

May 30, 2024 0

Junk fees that the federal consumer financial protection agency says are pushing up mortgage closing costs are the object of a public inquiry announced Thursday. A request for information (RFI) from the Consumer Financial Protection […]

Bureau, facing legal challenges, plans extending compliance date for small business lending rule

May 17, 2024 0

More time will be allowed to comply with a small business lending rule issued last year by the consumer financial protection agency, it said Friday, “in light of court orders in ongoing litigation.” The Consumer […]

‘CFPB here to stay’ director vows following high court’s ruling that funding mechanism is constitutional

May 16, 2024 0

The funding mechanism of the federal consumer financial protection agency is neither novel nor unusual, but an “essential part of the nation’s financial regulatory system,” the director of the agency said in a statement Thursday […]

Fed, CFPB approve Reg CC funds availability adjustments effective July 2025

May 13, 2024 0

Inflation adjustments in dollar amounts related to federal funds availability rules were announced Monday by the Federal Reserve Board and Consumer Financial Protection Bureau (CFPB) with a compliance date of July 1, 2025. The rules, […]

Credit card rewards ‘devalued, denied’ after program terms met, consumers allege to agency

May 9, 2024 0

Credit card rewards are often devalued or denied even after program terms are met, consumers have told the federal consumer financial protection agency, it said in a report released Thursday. The Consumer Financial Protection Bureau […]

Bureau dings Chime, orders it to pay $4.55 million over untimely account-closure refunds

May 7, 2024 0

The financial-technology (fintech) firm Chime Financial must pay a $3.25 million civil money penalty (CMP) and provide at least $1.3 million in consumer redress for its failure to timely provide consumers their account balance refunds […]

Student loan firms charged with servicing failures, face north of $5 million in fines, redress

May 6, 2024 0

“Multi-year servicing failures” are claimed against two organizations engaged in student lending under action taken Monday by the federal consumer financial protection agency seeking more than $5 million in penalties and redress, the agency said. […]

High fees, low interest rates on deposits, erode tax advantages on HSAs, agency contends

May 1, 2024 0

Monthly maintenance fees, paper statement fees, outbound transfer fees, and account closure fees for health savings accounts (HSAs) are being forced on consumers to pay, the federal consumer financial protection agency charged in a report […]

Bureau: Study finds complex pricing schemes through ‘junk fees’ lead to consumers paying up to 60% more

April 30, 2024 0

Consumers tend to pay more for products – up to 60% more – when prices are separated into multiple fees through more complex, difficult to understand pricing structures, according to a study released Tuesday by […]

Improvements noted in medical bills included in credit reports – but not so much in the South, bureau asserts

April 29, 2024 0

If you reside in the South you are “most likely” to have medical bills on your credit reports – making you among 15 million Americans who have the invoices on their credit summaries, according to […]

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FinCEN guidance says cross-border sharing of certain facts underlying a SAR not barred by BSA

September 5, 2025 0

Cross-border sharing among financial institutions of the underlying facts, transactions and documents upon which a suspicious activity report (SAR) is based is not the kind of sharing that is prohibited by the Bank Secrecy Act (BSA), Treasury’s financial crimes enforcement [...]
FDIC list shows 2 banks ‘outstanding,’ 1 ‘needs to improve’ under CRA

September 5, 2025 0

Ratings assigned to 59 banks in June for their performance under the federal anti-redlining Community Reinvestment Act included two “outstanding” ratings and one “needs to improve,” according to information released Friday by the Federal Deposit Insurance Corp. (FDIC). The remaining [...]
‘Disparate impact’ being written out of NCUA exam, supervision processes

September 4, 2025 0

The federal credit union regulator will no longer include reviews for disparate impact in its examination and supervision of federally insured credit unions, the agency said Thursday. The National Credit Union Administration (NCUA) removed such references from its Fair Lending [...]
AI drives at least some strength for commercial real estate, but otherwise economic growth flat, Fed report finds

September 4, 2025 0

A “a rare strength in commercial real estate” is being fueled by the surge of data center construction in response to the “push to deploy” artificial intelligence (AI), according to the latest report on economic activity issued Wednesday by the [...]
Fed to host Oct. 21 payments conference

September 3, 2025 0

A conference on payments innovation will be hosted by the Federal Reserve Board Oct. 21 and livestreamed for the public, the Fed said Wednesday. The Fed said the conference will bring together a range of interested parties to discuss how [...]
OCC’s latest list of CRA ratings includes 2 banks rated ‘outstanding’

September 3, 2025 0

Banks on the list of Community Reinvestment Act (CRA) performance evaluation ratings that became public in August included nine rated “satisfactory” and two rated “outstanding,” the national bank regulator said. The list, released Tuesday, showed that Esquire Bank, N.A., Jericho, [...]
Fed sets individual large-bank capital requirements effective Oct. 1

September 2, 2025 0

The 31 large banks that were subject to this year’s Federal Reserve stress tests will have the same 4.5% minimum capital requirement and a stress capital buffer requirement of at least 2.5% as of Oct. 1, the Fed announced, with [...]