CFPB – Page 63 – Regulatory Report

What's up

[ May 14, 2025 ] FDIC: Rescission of 2024 merger act policy, report on insurance fund restoration slated FDIC
[ May 14, 2025 ] OCC publishes spring ‘25 interest-rate risk report OCC
[ May 13, 2025 ] Bureau, proposing to rescind past adjudication proceeding rule changes, says one gave director too much authority, others ‘unnecessary’ CFPB
[ May 13, 2025 ] Interest rate uncertainty may be ‘ongoing challenge’ for banks, risk report notes FDIC
[ May 13, 2025 ] 2024 FDIC Ombudsman activities summarized in report FDIC

Bureau FAQs on RESPA address prohibited and permissible fees, arrangements; compliance bulletin rescinded

October 7, 2020 0

A set of frequently asked questions (FAQs) on Real Estate Settlement Procedures Act (RESPA) section 8 prohibitions on kickbacks and unearned fee arrangements, as well as provisions defining fees and arrangements that are not prohibited, […]

Bureau offers relief to entities from consent orders it issues

October 6, 2020 0

Companies and others can earn an early way out of actions taken against them through consent orders by the federal consumer financial protection agency under a new policy announced Monday. In a release, the Consumer […]

UPDATED: TRID rules have improved consumers’ ability to learn more about mortgage transactions, CFPB reports

October 1, 2020 0

Consumers’ have improved their ability to locate key mortgage information, compare terms and costs between initial and final disclosures and compare terms and costs across mortgage offers through real estate transaction disclosure rules, according to […]

CFPB rebrands recent – and not so recent – efforts of the bureau, FTC, and law enforcement targeting abusive debt collection practices

September 29, 2020 0

The agency charged with consumer financial protection included information on two of its previously announced cases over abusive debt collection on Tuesday and reintroduced those efforts and others reportedly underway elsewhere under the moniker of […]

THIS WEEK: Fed’s Quarles in financial regulation, stability panel discussions; FDIC systemic resolution panel meets; ‘seasoned’ QM comments due

September 28, 2020 0

Three Federal Reserve Board governors are set to speak during events slated over the next three days on, among other things, financial regulation and financial stability. Also this week, the Federal Deposit Insurance Corp. (FDIC) […]

Report: Many believe they need more money to cover emergencies than they have in savings

September 25, 2020 0

People think they need about $10,000 to cover any financial emergencies, according to results of a study released Thursday, but more than half of those have only $3,000 or even less in their combined checking […]

Anticipating Yom Kippur, CFPB adds more time to ‘seasoned mortgage’ comment period

September 22, 2020 0

Time to accommodate the Yom Kippur Jewish holiday is being allocated to collect comments on a new category of qualified mortgages, the federal consumer financial protection agency said Monday, with the new comments due date […]

Auto loan servicer settles with CFPB; $1.3 million in redress, $100k penalty set

September 21, 2020 0

Consumer redress of more than $1.3 million to 4,000 harmed consumers – and a $100,000 civil money penalty (CMP) – are portions of a settlement reached with an auto-loan servicer charged with engaging in unfair […]

CFPB announces new, continuing members on advisory councils

September 16, 2020 0

Continuing and new members on the Consumer Financial Protection Bureau’s (CFPB) four advisory panels were announced Wednesday. The bureau named new members to the Consumer Advisory Board (CAB), the Community Bank Advisory Council (CBAC), the […]

Consumer bureau releases outline of proposals for small-biz data collection

September 15, 2020 0

An outline of proposals under consideration for the collection of data on women-owned, minority-owned, and small businesses that could apply to depository institutions with assets of $600 million or less was released Tuesday by the […]

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FDIC: Rescission of 2024 merger act policy, report on insurance fund restoration slated

May 14, 2025 0

The federal bank deposit insurer’s board plans a vote next Tuesday to rescind its 2024 Bank Merger Act rule policy statement, replacing it with the previous statement, and to hear an update on its Deposit Insurance Fund (DIF) restoration plan, [...]
OCC publishes spring ‘25 interest-rate risk report

May 14, 2025 0

Interest rate risk data gathered during examinations of midsize and community banks are available Wednesday with the publication of the spring 2025 statistics report by the national bank regulator. The Office of the Comptroller of the Currency (OCC) said the [...]
Bureau, proposing to rescind past adjudication proceeding rule changes, says one gave director too much authority, others ‘unnecessary’

May 13, 2025 0

Comments are due June 12 on a proposed rule that would rescind the Feb. 22, 2022, and March 29, 2023, amendments to the Consumer Financial Protection Bureau’s (CFPB) rules of practice for adjudication proceedings, including those transferring authority over dispositive [...]
Interest rate uncertainty may be ‘ongoing challenge’ for banks, risk report notes

May 13, 2025 0

Interest rate uncertainty may be an “ongoing challenge” for banks overall in 2025, according to a risk review issued Tuesday by the federal bank deposit insurance agency. In “key risks to banks,” the review issued by the Federal Deposit Insurance [...]
2024 FDIC Ombudsman activities summarized in report

May 13, 2025 0

A brief, seven-page (plus cover) report highlighting 2024 activities of the agency’s Office of the Ombudsman was released Tuesday by the Federal Deposit Insurance Corp. (FDIC). In a Financial Institution Letter (FIL-12-2025), the FDIC said the ombudsman office “is a [...]
Acting CFPB head Vought rescinds 67 guidance documents issued since 2011

May 12, 2025 0

Sixty-seven guidance documents issued by the Consumer Financial Protection Bureau (CFPB) since its inception in 2011 are now rescinded, according to a notice in Monday’s Federal Register. The notice, signed by acting CFPB Director Russell Vought (head of the Office [...]
Higher inflation, slow growth, economic uncertainty likely ahead for next year as tariff policies play out, Fed governor expects

May 12, 2025 0

Higher inflation, slower growth and economic uncertainty are the catchphrases for the economy going into the next year, largely because of increased tariffs and policy changes for them, a Federal Reserve governor said Monday. Speaking to the International Economic Symposium [...]
Loan demand drops off in Q1 for C&I, CRE, RRE, Fed lending officer survey finds; credit card standards tighten

May 12, 2025 0

Demand for commercial and industrial (C&I) loans weakened in the first quarter, which was a similar story for many household loans, according to a report issued by the Federal Reserve Monday. In its April 2025 Senior Loan Officer Opinion Survey [...]
Agencies jointly issue loan-to-deposit ratios for ’25 used for compliance with interstate banking laws

May 12, 2025 0

Host state loan-to-deposit ratios were issued Monday by the three federal banking regulators, which informs banks about how the proportions are used to determine compliance with federal interstate banking laws. The ratios are issued in connection with a 1994 statute [...]