CFPB – Page 90 – 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

CFPB extends comment deadline on debt collection proposal until Sept. 18

August 1, 2019 0

The deadline for public comments on proposed revisions to Fair Debt Collection Practices Act (FDCPA) regulations has been extended to Sept. 18, according to a Federal Register notice filed by the Consumer Financial Protection Bureau (CFPB). […]

Bureau publishes 11 new FAQs (and answers) about TRID compliance

August 1, 2019 0

Eleven frequently asked questions (and answers) about integrated disclosures related to real estate lending — including about providing loan estimates to consumers — are now posted on its website, the federal consumer financial protection agency […]

TILA dollar-amount triggers for penalties, disclosures set for 2020

August 1, 2019 0

The dollar-amount thresholds that trigger various penalty and disclosure requirements under Regulation Z, implementing the Truth in Lending Act (TILA), have been adjusted effective Jan. 1, 2020, by the Consumer Financial Protection Bureau (CFPB) through […]

Comment period on permanent HMDA coverage thresholds reopened; comments due Oct. 15 to CFPB

July 31, 2019 0

Proposed changes released in May to set the coverage threshold for home loan data reporting at either 50 or 100 closed-end mortgage loans, in either of the two preceding years, and set the threshold for […]

Comments on ‘qualified mortgage’ definition, without the ‘GSE patch,’ due in mid-September

July 30, 2019 0

Input on a consumer bureau advance notice of proposed rulemaking (ANPR) on potential changes to the definition of “qualified mortgage” (QM) in light of the planned expiration of a temporary QM category for agency loans […]

Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z)

July 30, 2019 0

Title: Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z) Subject: Qualified mortgage Agency: CFPB Status: ANPR Summary: With certain exceptions, Regulation Z requires creditors to make a reasonable, good faith determination of […]

Bureau eyes whether to revise Reg Z ‘qualified mortgage’ factors, including DTI, as GSE patch nears expiration

July 25, 2019 0

The federal agency charged with consumer financial protection on Thursday issued an advance notice of proposed rulemaking (ANPR) that asks, among other things, whether a direct measure of a consumer’s personal finances – such as […]

GAO testimony reiterates call to regulators to provide clarity to fintechs on alternative data

July 25, 2019 0

Clear communication from the Consumer Financial Protection Bureau (CFPB) and the federal banking regulators on appropriate use of alternative data in the underwriting process would bring fintech lenders greater certainty about their compliance with fair […]

Settlement proposes $60 million in penalties for debt collectors, with banishment from industry

July 25, 2019 0

In an unusual proposal, five debt collectors will settle a complaint with the federal consumer financial protection bureau by agreeing to be banned from the industry and pay fines and redress of $60 million. But […]

Oversight of FI cybersecurity, threat info sharing remain top challenges for regulators, IGs council reports

July 24, 2019 0

A council of federal financial regulatory inspectors general created in the aftermath of the financial crisis identifies seven “top management and performance challenges” facing their respective regulatory organizations – including ongoing challenges related to cyber […]

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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 [...]