CFPB – Page 13 – Regulatory Report

What's up

[ November 7, 2025 ] FDIC reduces consumer compliance exam, CRA eval frequency for most FDIC
[ November 6, 2025 ] Controversial rating framework easing ‘well-managed’ score for large BHCs finalized by Fed The Fed
[ November 6, 2025 ] Two banks in KS, MT consent to small fines for violations of flood insurance rules The Fed
[ November 6, 2025 ] FDIC offers banking reg relief to help storm-hit areas in AK, MN FDIC
[ November 3, 2025 ] Lending standards tighter in 3rd quarter for C&I as demand grows; household loan standards unchanged The Fed

Report alleges companies failed to ensure accuracy of credit reports, including not excluding data from ID theft, human trafficking

April 8, 2024 0

Some consumer reporting companies failed to ensure the accuracy of credit reports, including by failing to exclude information resulting from alleged identity theft or human trafficking, the federal consumer financial protection agency charged in a […]

Increasing use of up-front ‘discount points’ for lowering interest rates targeted in bureau report

April 5, 2024 0

Higher mortgage rates have led borrowers to pay “discount points” which have nearly doubled over the last two years, the federal consumer financial protection agency said Friday. The agency added that it is monitoring the […]

CFPB vows to begin monitoring video gaming marketplaces for financial, privacy risks

April 4, 2024 0

Financial and privacy risks are growing through video gaming marketplaces in banking options and payments, the federal consumer financial protection agency said Thursday, warning that it will now be monitoring those spheres. In a report […]

Sweeping rules for sales of data by brokers to comply with FCRA under consideration

April 3, 2024 0

Ensuring that data brokers comply with the Fair Credit Reporting Act (FCCA) through sweeping requirements affecting data sales the stated goal of new rules to be proposed by the federal consumer financial protection agency, its […]

Bureau circular reminds: remittances based on false advertising of “no fee,” “free” services violate federal law

March 27, 2024 0

Remittance transfer providers that issue false advertising about the cost or speed of sending a remittance transfer can violate federal law, the federal consumer financial protection agency reminded in a circular issued Wednesday. The Consumer […]

2023 HMDA mortgage loan-level data released for 5,089 lenders

March 26, 2024 0

Mortgage loan data that approximately 5,089 financial institutions collected last year on their modified loan application registers (LARs) as required under Home Mortgage Disclosure Act (HMDA) regulations was released Tuesday by the Consumer Financial Protection […]

Bureau joins regulators’ vow to hire more technologists to meet AI, data-intensive challenges

March 26, 2024 0

Increasing tech capacity – including by hiring more technologists – to help enforce laws and design remedies for consumers and others is the aim of a joint regulatory statement issued Tuesday. The Consumer Financial Protection […]

Bureau working on setting attributes of standard-setting groups under proposed ‘open banking’ rule, before final issued this fall

March 14, 2024 0

Codifying the attributes that standard-setting organizations must demonstrate to be recognized under a proposed, final “open banking” rule would be accomplished before the final rule is issued, likely this fall, the head of the federal […]

Bureau cuts penalty, additional late fees for large credit card issuers; smaller issuers get more room

March 5, 2024 0

“Large card issuers” are now subject to a much lower safe harbor amount for penalty fees and restrictions on fees for subsequent violations to ensure that late fees they charge are “reasonable and proportional” as […]

CFPB circular focuses on potential for CFPA violation by digital comparison-shopping tool operators

February 29, 2024 0

Digital comparison-shopping tool operators that give preference to financial products based on benefits to themselves are in violation of the Consumer Financial Protection Act (CFPA), the federal consumer financial protection agency said Thursday. The Consumer […]

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FDIC reduces consumer compliance exam, CRA eval frequency for most

November 7, 2025 0

A revised consumer compliance examination manual provides for less-frequent consumer compliance exams for most supervised banks, the Federal Deposit Insurance Corp. (FDIC) said in a Financial Institution Letter (FIL) Friday. The agency said its updated manual also establishes a new [...]
Controversial rating framework easing ‘well-managed’ score for large BHCs finalized by Fed

November 6, 2025 0

Finalized changes to the supervisory rating framework for large bank holding companies were released by the Federal Reserve late Wednesday, which were proposed by a divided agency board. The Fed said the revised rating framework “more accurately reflect the strength [...]
Two banks in KS, MT consent to small fines for violations of flood insurance rules

November 6, 2025 0

Relatively small fines were assessed to two small banks in Montana and Kansas, the Federal Reserve said Thursday, for penalties related to violations of flood insurance regulations. The Fed said that The Halstead Bank of Halstead, Kansas, and Belt Valley [...]
FDIC offers banking reg relief to help storm-hit areas in AK, MN

November 6, 2025 0

Eased regulatory requirements for banks serving areas hit by storms last month in Alaska and this June in Minnesota were announced Thursday by the Federal Deposit Insurance Corp. (FDIC). In two Financial Institution Letters (FILs), the FDIC pointed to the [...]
Lending standards tighter in 3rd quarter for C&I as demand grows; household loan standards unchanged

November 3, 2025 0

Tighter lending standards for commercial and industrial (C&I) loans were prevalent in the year’s third quarter, while loan standards for households were largely unchanged, the Federal Reserve said Monday. Demand was up for the C&I loans, the agency said, from [...]
10 banks earn top CRA ratings; none tagged with lowest scores of ‘needs improvement,’ ‘substantial noncompliance’

November 3, 2025 0

Ten banks, out of 76 examined, earned “outstanding” ratings for their compliance with anti-redlining laws, two federal bank regulators said Monday. In reporting on Community Reinvestment Act (CRA) ratings, the Office of the Comptroller of the Currency (OCC) and the [...]
Agency reminds of grant availability for low-income credit unions

November 3, 2025 0

Credit unions with the National Credit Union Administration’s (NCUA) low-income designation can still apply by Dec. 16 for a portion of the more than $3.4 million in grants being made available by the agency, according to a release Monday. The [...]