CFPB – Page 93 – Regulatory Report

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[ 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

House Dems urge Kraninger to rescind HMDA proposals, call them a possible ‘trojan horse’ for future rollbacks

June 12, 2019 0

A group of 65 House Democrats on Wednesday urged consumer bureau Director Kathleen (“Kathy”) Kraninger to immediately rescind a number of actions that could result in fewer institutions subject to Home Mortgage Disclosure Act (HMDA) […]

Home Mortgage Disclosure (Regulation C)

June 12, 2019 0

Title: Home Mortgage Disclosure (Regulation C) Subject: HMDA Agency: CFPB Status: Final rule; official interpretation Summary: The Bureau of Consumer Financial Protection (Bureau) is amending Regulation C to increase the threshold for reporting data about […]

Regulators considering ‘joint data intake’ system for streamlining exams, bureau leader says

June 12, 2019 0

Federal financial institution regulators are working on a “joint data intake system,” the director of the federal consumer financial protection told a group of bankers Tuesday, as the agency looks for ways to streamline its […]

CFPB touts actions under Kraninger’s first six months, cites $22 million in CMPs overall

June 11, 2019 0

A summary of activities at the Consumer Financial Protection Bureau (CFPB) during its first six months under the leadership of Kathleen Kraninger, who became director in December, is just that – a summary – but […]

Bureau schedules first ‘symposium’ with focus – as promised – on clarifying meaning of ‘abusiveness’ under Dodd-Frank

June 11, 2019 0

The first in a promised series of conferences “exploring” consumer protections in financial services will be held June 25, the federal consumer financial protection agency said Tuesday, and will focus – as promised by the […]

EEO report at consumer bureau underscores earlier reports of declining workforce at agency

June 10, 2019 0

A report issued last week on equal employment opportunity at the federal consumer financial protection bureau underscores earlier reports by the agency of a declining employee base, a review of the reports shows. On June […]

Bureau issues final rule delaying payday lending compliance to November 2020

June 7, 2019 0

A final rule delaying the Aug. 19 compliance date, to Nov. 19, 2020, for mandatory underwriting provisions of the payday, vehicle title and “certain high-cost installment loans” – the 2017 payday lending rule – was […]

Consumer bureau announces $1.75 million civil money penalty against Freedom Mortgage Corporation, cites HMDA violations

June 5, 2019 0

A fine of $1.75 million was assessed against Freedom Mortgage Corporation, one of the 10 largest Home Mortgage Disclosure Act (HMDA) reporters nationwide, in connection with a settlement announced Wednesday by the Consumer Financial Protection […]

Bureau reports nearly 8.5% reduction in workforce for FY 2018

June 4, 2019 0

A contraction in workforce of nearly 8.5% at the federal consumer financial protection agency – translating to 139 employees – at the end of the last fiscal year is reported in a status report made […]

New group of questions, answers focus on three areas of TRID compliance

May 31, 2019 0

Three new groups of questions and answers on selected topics related to compliance with disclosure requirements for most closed-end borrower real estate transactions are now published by the federal consumer financial protection agency Friday. 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 [...]