CFPB – Page 11 – Regulatory Report

What's up

[ January 9, 2026 ] Treasury takes aim at financial institutions in Minnesota in wake of alleged federal funding fraud Other
[ January 9, 2026 ] Fed designates chairs, deputy chairs of Reserve Banks, renaming less than half to positions The Fed
[ January 9, 2026 ] OCC proposes to “clarify” permissible national trust bank activities OCC
[ January 9, 2026 ] FDIC: Year-end 2025 call report forms online now, no new data items included FDIC
[ January 7, 2026 ] FDIC: Audit finds no documentation on cost benefits of student resource center since 1986 FDIC

Proposed rule would require mortgage servicers to focus on helping borrowers, not foreclosing

July 11, 2024 0

Mortgage servicers would be required to focus on helping their mortgage borrowers, and not foreclosing, when a homeowner asks for help under a rule proposed Wednesday by the federal consumer financial protection agency. The proposal […]

Action against ‘repeat offender’ Fifth Third Bank seeks $20 million in redress for auto repos, opening fake accounts

July 9, 2024 0

Alleged wrongful triggering of auto repossessions, and purported opening of fake bank accounts, has led Tuesday to the federal consumer financial protection agency to seek $20 million in penalties from one of the nation’s largest […]

Exams find communication issues in account freezes, limited oversight in medical payment products, CFPB says

July 2, 2024 0

Unfair practices in how some banks communicated with consumers about freezes on deposit and prepaid accounts, and limited oversight by financial institutions of medical providers offering payment products, are among concerns recently identified by examiners […]

Survey results show mortgage borrowers’ views of appraisals, willingness to move, disability accommodations

July 1, 2024 0

Details on appraisals, willingness to move, and disability accommodations are covered in updated loan-level data released Monday by two federal agencies collected through the National Survey of Mortgage Originations (NSMO). The data also provide, according […]

With bureau funding upheld, small business lending rule proceeds with interim rule on data collection

July 1, 2024 0

Data collection compliance for small business lending is extended to next year (July 18, 2025) for the highest volume lenders, and to dates in 2026 for moderate and lowest volume lenders, the federal consumer financial […]

Reverse servicing failures, repeated data errors, earn mortgage-related companies combined nearly $9 million in penalties

June 18, 2024 0

Two mortgage-related firms face action – including a combined nearly $9 million in penalties — for reverse mortgage servicing failures and recurring data errors, the federal consumer financial protection agency charged Tuesday. The Consumer Financial […]

Bureau goes after couple who, despite judgment, evaded law enforcement, hid money, court filing claims

June 17, 2024 0

Claiming they fraudulently hid money – north of $40 million – to evade law enforcement, the federal consumer financial protection agency Monday asked a court to resolve a lawsuit against a Kansas couple filed in […]

Proposal would end exception permitting use of medical debt info in credit decisions, could remove some $49 billion debt from consumers’ credit reports

June 11, 2024 0

A proposal to remove a regulatory exception that allows creditors to obtain and use medical debt information for credit eligibility decisions was issued for comment Tuesday by the federal consumer financial protection agency. The proposal […]

BNPL interpretive rule kicks in July 30; bureau taking comments until Aug. 1

June 10, 2024 0

An interpretive rule that applies some Regulation Z (Truth in Lending Act) requirements to lenders marketing “buy now, pay later” (BNPL) loans that are accessed through digital user accounts is set to take effect July […]

Rule on data-sharing standards issued, launching process for ‘open banking,’ bureau says

June 5, 2024 0

Establishing the process for recognizing data-sharing standards to comply with an upcoming “open banking” rule is the aim of final rule issued Wednesday, the federal consumer financial protection agency said. The Consumer Financial Protection Bureau […]

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FDIC: Audit finds no documentation on cost benefits of student resource center since 1986

January 7, 2026 0

Setting processes and procedures for managing the agency’s Student Resource Center (SRC) and developing SRC performance goals, things that appeared to be lacking since the center’s inception, are among the corrective actions the federal deposit insurer has agreed to make [...]
CFPB adjusts HMDA, TILA asset-size thresholds for 2026

January 7, 2026 0

The asset-size thresholds for institutions subject to Home Mortgage Disclosure Act (HMDA) reporting and Truth in Lending Act (TILA) escrows (for higher-priced mortgage loans) are higher as of Wednesday, according to two Federal Register notices. The Consumer Financial Protection Bureau [...]
CFPB ends silence; provides ‘tips, reminders’ for 2026 HMDA filings

January 6, 2026 0

Reminders and tips for 2026 Home Mortgage Disclosure Act (HMDA) filings were issued Tuesday by the federal consumer financial protection agency, which also noted some updates to file locations. The Consumer Financial Protection Bureau (CFPB) noted that an upgrade has [...]
Fed: Former bank branch manager who took $27k from customer accounts is barred

January 6, 2026 0

A former branch manager of Regions Bank, Birmingham, Ala., who allegedly took money from customer accounts is barred from any future work in federally insured financial institutions under a consent order released Tuesday by the Federal Reserve Board. The Fed, [...]
Nearly half of all banks – 15 – are ‘outstanding’ in latest CRA ratings from OCC

January 5, 2026 0

Fifteen banks – out of 33 total — were awarded “outstanding” ratings for their compliance with rules implementing anti-redlining laws for evaluations that became public in December, the national bank regulator said Monday. No banks evaluated for their compliance with [...]
Trio of former credit union workers banned; agency claims one caused $720,000 loss over decade

January 2, 2026 0

Three former credit union workers were banned from further work at financial institutions by the federal regulator Dec. 31, including one who allegedly caused a nearly three-quarters of a million dollars loss over a 10-year period, the agency said. According [...]
Dearth of banks earning ‘outstanding’ CRA ratings, while two banks score ‘needs improvement’

January 2, 2026 0

While no banks in October earned ratings of “outstanding” for their compliance with anti-redlining rules, two banks earned “needs improvement” in their scores posted Friday by the federal bank deposit insurance agency. The Federal Deposit Insurance Corp. (FDIC) released the [...]