CFPB – Page 88 – Regulatory Report

What's up

[ July 3, 2025 ] Violations in 2024 of TIL and flood insurance once again were tops for banks; HMDA abuses move up the charts FDIC
[ July 3, 2025 ] 7 banks ‘outstanding,’ 64 ‘satisfactory’ for CRA, FDIC reports in latest disclosure FDIC
[ July 1, 2025 ] NCUA shutters small IL credit union after 12-day conservatorship; third to close in two weeks NCUA
[ July 1, 2025 ] Seven banks – including Bank of China branches – earn top ratings for CRA compliance OCC
[ June 30, 2025 ] Fed: 2025 stress test shows banks ‘well positioned’ to withstand severe recession The Fed

Study looks at ‘financial well-being’ connection to engagement with financial information

September 17, 2019 0

The relationship between subjective financial well-being and objective credit report characteristics and consumers’ engagement with financial information through educational tools is highlighted in a report issued by the federal consumer financial protection agency Tuesday. In […]

Bureau considering ‘tech sprints’ for finding ways to ease reg compliance for HMDA, more

September 16, 2019 0

A “call for ideas” was issued Friday by the federal agency charged with consumer financial protection on how a process called “tech sprints” could be used to encourage regulatory innovation and develop viable solutions to […]

Bureau notes GAP insurance in auto loans, poor credit card disclosures in supervisory highlights

September 13, 2019 0

Automobile loan originations, credit card account management, debt collection, information furnishing, and mortgage originations that were generally completed between December 2018 and March 2019 are outlined in the latest issue of the federal consumer financial […]

Policy on the Compliance Assistance Sandbox

September 13, 2019 0

Title: Policy on the Compliance Assistance Sandbox Subject: Compliance assistance sandbox Agency: CFPB Status: Final Summary: The Bureau of Consumer Financial Protection (Bureau) is issuing its final Policy on the Compliance Assistance Sandbox (Policy), which […]

Policy To Encourage Trial Disclosure Programs

September 13, 2019 0

Title: Policy To Encourage Trial Disclosure Programs Subject: Trial disclosure programs Agency: CFPB Status: Final Summary: The Bureau of Consumer Financial Protection (Bureau or CFPB) is creating the CFPB Disclosure Sandbox through issuance of its […]

Policy on No-Action Letters

September 13, 2019 0

Title: Policy on No-Action Letters Subject: No-action letters Agency: CFPB Status: Final Summary: The Bureau of Consumer Financial Protection (Bureau) is issuing its revised Policy on No-Action Letters (Policy), which is intended to carry out […]

THIS WEEK: Powell remarks after FOMC meet; FDIC vote on CBLR; payday (PALs II) rule for CUs; 2nd CFPB symposium

September 13, 2019 0

(Updated Sept. 18, 2019) A vote on a final community bank leverage ratio (CBLR), a press conference featuring Federal Reserve Board Chair Jerome (“Jay”) Powell (following the close of a monetary policy setting session), and […]

CFPB no-action letter, trial disclosure program, compliance assistance sandbox policies slated as rules in F.R.

September 12, 2019 0

The three policies announced earlier this week by the consumer financial protection bureau, offering providers a measure of protection against compliance violations when they receive prior agency approval for certain activities, are slated for publication […]

Kraninger asserts three new bureau policies will foster innovation, ease uncertainty

September 10, 2019 0

Three policies announced Tuesday are intended to improve how the federal consumer financial protection agency exercises its authority to facilitate innovation and reduce regulatory uncertainty, the director of the agency told an Atlanta audience. In […]

CFPB finalizes no-action letter (NAL) policy, two others to ease entry of new products, test new disclosures

September 10, 2019 0

A revised no-action letter (NAL) policy, announcement of the first NAL issued under the new policy, and final policies on trial disclosures and compliance assistance (proposed initially as a “product sandbox” policy) were issued Tuesday […]

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Violations in 2024 of TIL and flood insurance once again were tops for banks; HMDA abuses move up the charts

July 3, 2025 0

The two most common violations of consumer compliance supervision in 2024 were those related to truth-in-lending and mandatory flood insurance – pretty much the same results reported in 2023 — according to an annual report issued Thursday by the federal [...]
7 banks ‘outstanding,’ 64 ‘satisfactory’ for CRA, FDIC reports in latest disclosure

July 3, 2025 0

Seventy-one banks whose performance ratings under the anti-redlining Community Reinvestment Act (CRA) were announced Thursday were all rated either “outstanding” or “satisfactory,” according to the Federal Deposit Insurance Corp. (FDIC). The information, which the FDIC said became publicly available in [...]
NCUA shutters small IL credit union after 12-day conservatorship; third to close in two weeks

July 1, 2025 0

A tiny credit union that was placed into conservatorship June 18 was closed by its federal regulator July 1, the agency said in a release that alleged violations of federal law and rules. It is the third credit union the [...]
Seven banks – including Bank of China branches – earn top ratings for CRA compliance

July 1, 2025 0

Seven banks – including two branches of the Bank of China – received the highest ratings for compliance with rules implementing anti-redlining laws, according to scores released Tuesday by the national bank regulator. The ratings for compliance with Community Reinvestment [...]