CFPB – Page 97 – Regulatory Report

What's up

[ October 17, 2025 ] New national bank, based in Ohio and expected to focus on ‘digital asset activities,’ earns charter OCC
[ October 17, 2025 ] New non-discrimination posters in Spanish include phrase on Trump order about English as ‘official language’ OCC
[ October 16, 2025 ] Federal bank regulators rescind climate-related risk management principles FDIC
[ October 16, 2025 ] Florida bank faces overhaul of management, board, operations for alleged BSA/AML compliance deficiencies OCC
[ October 15, 2025 ] Banks, real estate lenders, seeing ‘mixed’ economic conditions, Fed reports The Fed

Credit, consumer reporting leads complaints to CFPB for second straight year in 2018, up 27% from 2017

April 3, 2019 0

Complaints about credit or consumer reporting, for the second straight year, was the leader in 2018 as the “most-complained about” consumer financial product or service, according to the federal consumer financial protection agency’s Consumer Response […]

Bureau makes loan application registers for 5,400 FIs available, with 2018 data

March 29, 2019 0

Modified loan application registers (LARs) data for about 5,400 financial institutions were released Friday by the federal consumer financial protection agency, marking the first time the registers were released with additional data required under regulations […]

GAO outlines needed oversight for consumer reporting agencies, including more penalty authority for FTC, action by CFPB

March 26, 2019 0

Congress should consider giving the Federal Trade Commission (FTC) civil penalty authority to enforce the Gramm-Leach-Bliley Act’s (GLBA) safeguarding provisions for information gathered by consumer reporting agencies (CRAs), the Government Accountability Office (GAO) stated in […]

Payday lending rule proposed change convinces judge to leave stay in place

March 26, 2019 0

A federal judge last week left in place a stay on the Aug. 19 effective date of the payday lending regulations now in place, an asterisk to the proposed changes issued in February by the […]

Latest HMDA guide incorporates changes made under EGRRCPA, new CFPB rule

March 25, 2019 0

The 2019 edition of the Home Mortgage Disclosure Act (HMDA) guide – reflecting amendments made to the law by last year’s regulatory relief legislation, and the interpretive and procedural rule issued by the Consumer Financial […]

UPDATED: CFPB advisory panels to meet 3 times a year effective FY2020, terms extended; applications welcome

March 21, 2019 0

This has been updated to include a link to the March 22 Federal Register notice soliciting advisory council membership applications. Changes affecting the membership and meetings frequency of the Consumer Financial Protection Bureau’s (CFPB) research […]

CFPB to propose debt collection rule this spring, Kraninger says

March 20, 2019 0

A notice of proposed rulemaking related to debt collection is planned for issuance in the spring of this year, the director of the Consumer Financial Protection Bureau (CFPB) stated in her message for the agency’s […]

Financial services complaints up 12% among servicemembers; credit, consumer reporting leads (again)

March 20, 2019 0

Complaints related to financial services were up 12% in 2018 among members of the U.S. armed services, veterans and their families, according to the latest “complaint snapshot” published Tuesday by the federal consumer financial protection […]

Waters’ House panel marks up CFPB, cannabis banking bills March 26

March 19, 2019 0

Two financial services bills – one targeting the consumer financial protection agency, the other addressing services to legitimate marijuana businesses – are slated for mark-up next Tuesday by the House Financial Services Committee, panel Chairwoman […]

Trump 2020 budget again calls for lower consumer bureau spending, funding through appropriations

March 19, 2019 0

Funding for the Consumer Financial Protection Bureau (CFPB) would be cut by $23 million in fiscal year 2020, with total funding reductions of about $5 billion through FY 2029, according to White House budget documents. […]

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New national bank, based in Ohio and expected to focus on ‘digital asset activities,’ earns charter

October 17, 2025 0

A new bank, focusing on digital assets, will soon appear in Columbus, Ohio, following the conditional approval of a “de novo” national bank charter, the national bank regulator said Thursday. Erebor Bank was granted the conditional approval of a national [...]
New non-discrimination posters in Spanish include phrase on Trump order about English as ‘official language’

October 17, 2025 0

With no hint of irony, new posters in Spanish aimed at promoting non-discrimination in housing lending will now include the phrase “Como se describe en la Orden Ejecutiva 14224, el inglés es el idioma oficial de los Estados Unidos,” which [...]
Federal bank regulators rescind climate-related risk management principles

October 16, 2025 0

Calling the principles unnecessary and distracting, prudential federal banking regulators on Thursday announced the rescission of their 2023 interagency principles for climate-related financial risk management, which applied to institutions having more than $100 billion in consolidated assets. The Federal Reserve [...]
Florida bank faces overhaul of management, board, operations for alleged BSA/AML compliance deficiencies

October 16, 2025 0

Unsafe or unsound practices related to Bank Secrecy Act/Anti-Money Laundering (BSA/AML) risk management and suspicious activity reporting (SAR), among other things, have led to a formal agreement between a Florida bank and the national bank regulator, the agency said Thursday. [...]
Banks, real estate lenders, seeing ‘mixed’ economic conditions, Fed reports

October 15, 2025 0

“Mixed” economic conditions in the financial services sector were reported Wednesday by the Federal Reserve, with some of the agency’s district reporting improved business lending – but others continued to “highlight muted activity.” The agency said the mixed results also [...]
FDIC developing methods for nonbanks to participate in failed bank assets purchases

October 15, 2025 0

Methods for expanding participation from nonbanks in buying the assets of failed banks – such as those that went belly up in 2023 and 2024 — will be tested early next year, the acting board chairman for the federal bank [...]
Fed to expand operational hours for two large payments systems beginning in 2028

October 10, 2025 0

Sundays and weekday holidays will now be open for transactions through two of the central bank’s largest payments services, starting no earlier than 2028, the agency said late Thursday. The Fedwire (R ) Funds Service (FFS) and the National Settlement [...]
Guidance on capital instruments for MBOs lauded by national bank regulator, noting clarity offered

October 10, 2025 0

Providing clarity on capital instruments for mutual banking organizations (MBOs) through Federal Reserve guidance was lauded by the national bank regulator late Thursday. In a statement, Comptroller of the Currency Jonathon Gould said the Oct. 8 “additional tier 1 term [...]