Rulemakings

The following rulemakings are outstanding.  Some agencies may accept comments after the deadline.  For completed regulatory comments in a particular subject area, visit the appropriate Issues page or Regulatory Reform and Consumer Financial Protection Bureau.

All of the CFPB's requests for comment can be viewed here. All agencies' open rulemakings, and submitted comments, can be viewed at http://www.regulations.gov, which is searchable by docket number and other means.

OCC Fintech National Bank Charter

  • Jan. 15, 2017 to comment on OCC white paper about a special purpose national bank charter for fintech companies. Comments should be submitted to This email address is being protected from spambots. You need JavaScript enabled to view it.. NCLC comments. Short coalition comments.

Framework for new OCC chartered nonbank entities that fail

  • Nov. 14, 2016 deadline to respond to proposed rule by the OCC to implement a framework for receivership of an "uninsured bank" (i.e., a nonbank that is granted an OCC charter under a new regime the OCC is considering). Consumer Comments. Press release.

Payday and Installment Loans

  • November 7, 2016 deadline to respond to the CFPB's Request for Information about practices involving practices and loans not addressed in the proposed rule governing payday, installment and auto title loans. Consumer comments.
  • October 7, 2016 deadline to comment on proposed rule to regulate payday and installment loans. Group comments.

Standards for Safeguarding Customer Information

  • November 7, 2016 deadline to respond to the FTC request for comments on its Standards for Safeguarding Customer Information (‘‘Safeguards Rule’’ or ‘‘Rule’’).

Rent-a-Bank Partnerships

Mortgage Disclosures

  • Oct. 18, 2016 deadline to comment on various CFPB proposed amendments to mortgage disclosure requirements under the Real Estate Settlement Procedures Act and the Truth in Lending Act that are implemented in Regulation Z. Group Comments.

Broadband Privacy

Student Loan Debt and Arbitration Clauses

Mortgage Disclosure Rate

Arbitration and Class Actions Bans

FFIEC Consumer Compliance Rating System

  • July 5, 2016 deadline to comment on proposed Uniform Interagency Consumer Compliance Rating System to be used by federal bank examiners.  Consumer comments.

Financial Innovation

  • May 31, 2016 deadline to submit comments responding to the OCC's white paper about how to support responsible financing innovation.
  • Consumer comments and exhibits.

E-Warranties

  • June 17, 2016 deadline to comment on rules proposed by the FTC permitting warranties to be posted online.

Mobile Financial Services and Economic Inclusion

  • June 15, 2016 deadline to comment to FDIC on its plans for exploring the economic inclusion potential of mobile financial services.

Arbitration Clauses in Internet Contracts

  • May 26, 2016 deadline to respond to FCC's request for comment on whether it should ban forced arbitration clauses in internet broadband contracts. Consumer comments.

Regulatory Review (mortgage appraisals, interchange fees)

FTC Holder Rule

  • Feb. 12, 2016 deadline to file comments for the FTC's review of the holder rule, which protects car buyers, students and others from fraudulent practices in credit sales. Consumer comments.

Payment Processors

Online Marketplace Lending

Payroll Cards

  • July 31, 2015 deadline to comment on the Department of Labor's proposed rulemaking regarding "Methods of Payment of Wages", July 31, 2015. Consumer comments

Same Day Fed Electronic Payments

California Payday Loans

  • June 25, 2015 extended deadline to respond to California proposal to restrict internet payday loans and adopt other payday loan reforms. 

Credit Cards

Check Deposits, CRA and Other Regulations

  • May 14, 2015 deadline to comment on whether OCC, FDIC or Fed regulations are outdated or unnecessary or unduly burden community banks. The regulations under review include the funds availability policies for check deposits and CRA regulations. Consumer Comments.

Mortgages by Small Creditors and in Rural or Underserved Areas

  • Comments to the CFPB regarding TILA – Regulation Z - Rural Mortgage Lending Exceptions for Small Creditors, April 25, 2016
  • March 30, 2015 deadline to comment on rules proposed by the CFPB, 80 Fed. Reg. 7769, RIN 3170–AA43, to provide greater exemptions from TILA rules on mortgage lending by certain small lenders. Comments. 

Student Loan Servicing

  • July 13, 2015 deadline to comment on CFPB's request for Information regarding student loan servicing. ​NCLC comments, NCLC/NACBA comments​
  • March 30, 2015 extended deadline to respond to Education Department's request for information on how it should restructure student loan servicing.

Prepaid Cards

Credit Card Agreement Database

  • March 13, 2015 deadline to comment on CFPB proposal to suspend adding new credit card agreements to database pending improvements.

Used Car Rule

  • March 17, 2015 extended deadline to comment on the FTC's proposed amendments to the Used Motor Vehicle Trade Regulation Rule. Group comments. 

Mortgage Servicing

  • March 16, 2015 deadline to comment on mortgage servicing rules under TILA and RESPA proposed by the CFPB. NCLC Comments.

Safe Students Accounts

CFPB Advisory Board Applications

  • Feb. 28, 2015 deadline to apply to be a member of the CFPB's Consumer Advisory Board.

Model State Regulation of Virtual Currencies

Same Day Electronic Payments

Federal Student Aid PIN system

  • Comments to the U.S. Department of Education on Information Collection on Personal Authentication Service (PAS) for FSA ID, Jan. 20, 2015

CFPB Language Access Plan

  • Jan. 6, 2015 deadline to comment on the CFPB's plan to provide services and information in languages other than English.

Military Lending Act

  • Dec. 26, 2014 extended deadline to comment on DOD's proposed rules expanding the Military Lending Act's 36% rate cap and arbitration ban to more forms of credit. Consumer Comments.

CFPB No-Action Letters

Auto Lenders Subject to CFPB Examination

  • Dec. 8, 2014 deadline to comment on CFPB proposed rules defining the larger participants in the auto lending market subject to CFPB examination. Comments.

Robo Calls to Cell Phone

  • Comments filed Nov. 17, 2014 opposing Consumer Bankers Association petition to FCC to expand exemptions to Telephone Consumer Protection Act.

Credit Practices Rule and Other Bank UDAPs

  • Oct. 27, 2014 deadline to comment on proposal by bank regulators to repeal Regulation AA (setting forth unfair, deceptive or abusive practices by banks) (due to repeal of authority in Dodd-Frank Act). NCLC Comments.

Financial Coaching Evaluation

Expanded HMDA mortgage data

  • October 22, 2014 deadline to comment on CFPB proposal to expand the data that must be reported under the Home Mortgage Disclosure Act and to simplify reporting requirements. Press Release and NCLC Comments

Telemarketing Sales Rule

Public access to CFPB complaint narratives

  • September 22, 2014 extended deadline to submit comments on CFPB proposal to permit consumers to make available to the public the narratives of the complaints they submit to the CFPB on particular companies. Consumer comments.

Mobile Payments

  • Sept. 10, 2014 deadline to respond to CFPB request for comments on mobile financial services. NCLC Comments.

Economic Growth and Regulatory Paperwork Reduction Act

  • Sept. 2, 2014 deadline to comment on 10-year review of regulations that are outdated, unnecessary or burdensome. Consumer comments to OCC on preemption and Garn St. Germain and to Fed on remotely created checks and Regulation CC.

Big Data

  • Aug. 15, 2014 pre-workshop deadline and Oct. 15, 2014 final deadline for comments to the FTC on Big Data: A Tool for Inclusion or Exclusion?

CFPB debt collection survey

  • August 22, 2014 extended deadline to submit comments on the CFPB's proposal to survey consumers about their experiences with debt collectors.

Annual Privacy Notices

  • July 14, 2014 deadline to comment on proposed rule permitting companies that use a model form and limit data sharing to post their annual privacy notices online instead of by delivering them individually.

Truth in Lending Act – Regulation Z (Qualified Mortgage Rule)

International Remittances

  • June 6, 2014 extended deadline to comment on CFPB proposal to extend to 2020 a temporary exemption that permits insured institutions to estimate certain pricing disclosures for international remittances.

For-Profit Career Colleges

  • May 27, 2014 deadline to respond to proposed rules by the Department of Education to protect students from predatory, poor-performing career colleges. Summary of proposal.

California Payday Loans

  • May 21, 2014 deadline to respond to proposed California Department of Corporations regulations governing internet payday loans and the relationship between prepaid cards and payday loans. NCLC Comments.

TANF EBT Restrictions and Cash Access

  • May 7, 2014 deadline to comment to HHS on proposed rules to implement ban on access to EBT cards at liquor, gambling and adult entertainment venues and requirement that states provide adequate access to cash benefits. NCLC Comments.

Supervision of Larger International Remittance Providers

  • April 1, 2014 deadline to comment on the CFPB's proposal for how to define the larger international money transmitters who will be subject to CFPB supervision.

Debt Collection

  • February 28, 2014 deadline to submit comments to the CFPB on how it should regulate debt collectors. NCLC Comments and Shorter Coalition Comments. S. 2328 (Toomey), exempting attorneys from the FDCPA (oppose).

CFPB Consumer Advisory Board

  • Feb. 28, 2014 deadline to apply to be a member of the CFPB's Consumer Advisory Board.

Collection of Data on Bank Fees and Remittances

  • Feb. 13, 2014 deadline to submit comments to banking agencies on collection of data on overdraft, ATM and monthly fees and on remittance transfers. NCLC comments.

Mortgage Closing Process

FHA guaranteed mortgages

  • July 14, 2014 deadline to comment on HUD's proposed HAWK pilot program underwhich first-time homebuyers will receive a discount on FHA mortgage insurance premiums if they complete a series of housing couseling courses from HUD-approved agencies. NCLC Comments

Integrated mortgage disclosures

  • July 7, 2015 deadline to respond to CFPB request for comment on a proposal to extend the effective date for the new, TILA/RESPA-integrated mortgage disclosures. The disclosure rules and new forms were originally scheduled to become effective on August 1, 2015. The CFPB proposes to change that date to October 3, 2015. NCLC Comments
  • Feb. 7, 2014 deadline to respond to CFPB request for information on the mortgage closing process.

Electronic Payments

  • January 13, 2014 deadline to comment on proposed rules by NACHA imposing greater obligations on banks, payment processors and merchants to scrutinize the payments they originate and process. Consumer Comments.

Rulemakings Archive