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2013
13-EA-15: CFPB - Defining Larger Participants of the Student Loan Servicing Market13-EA-14: CFPB - Escrow Accounts 13-EA-06 - CFPB: RFI Regarding an Initiative to Promote Student Loan Affordability 13-EA-05 - CFPB: RFI Financial Products Marketed to College Students 13-EA-04: CFPB: Proposed Amendments to Ability-to-Repay 13-EA-03: Proposed Policy to Encourage Trial Disclosure 13-EA-02 - CFPB: CARD Act13-EA-01: Regulation E; International Remittance Transfers 2012
12-EA-28: MLO Compensation12-EA-27: CFPB:Appraisals for Higher-Risk Mortgages12-EA-26: Free Access to Appraisals 12-EA-25: Request for Information on Effective Financial Education 12-EA-24: Mortgage Servicing 12-EA-21: Proposed Rule to Amend HOEPA Regulations 12-EA-20: Mortgage Disclosures12-EA-19: Mortgage Disclosures (Finance Charge) 12-EA-18: Request for Information on Senior Financial Exploitation12-EA-17: Request for Comment on Proposed Policy on Disclosure of Credit Card Complaint Data 12-EA-16: Request for Comment on Qualified Mortgages
12-EA-15: Proposed Rule: Procedural Rules to Establish Supervisory Authority Over Certain Nonbank Covered Persons Based on Risk Determination
12-EA-14: Notice and Request for Comment on Information Collection 12-EA-08 - Confidential Treatment of Privileged Information12-EA-05 - International Remittance Transfers
2011 Regulatory Alerts on CFPB
13-EF-15: CFPB - Credit Card Limits under Reg Z 13-EF-14: CFPB - ATM Disclosures 13-EF-13: CFPB - Disclosure of Records and Information 13-EF-07: CFPB - Free Access to Appraisals 13-EF-06: CFPB - Mortgage Servicing 13-EF-05: CFPB - High-Cost Mortgages and Homeownership Counseling (Reg Z and Reg X)13-EF-04: NCUA - Low Income Designation Acceptance Deadline 13-EF-03: NCUA - Definition of a Small Entity 13-EF-02: CFPB - Escrow Requirements under the Truth in Lending Act (Regulation Z) 13-EF-01: CFPB - Ability-to-Repay; Qualified Mortgages 12-EF-11: Large Market Participant for CRAs 12-EF-10: International Remittance Transfers 12-EF-08: Rules Relating to Investigations12-EF-02: International Remittance Transfers
Chart of AuthoritiesJoint Letter on Remittance Transfer RuleCFPB's Know Before You Owe Project for Residential MortgagesTILA-RESPA Integration ProjectTable of Regulations
Guidance DocumentPolicy on Ex-Parte Presentations in Rulemaking ProceedingsProgress ReportSemiannual Report of the CFPB*Semiannual Regulatory Agenda and Fiscal Year 2011 Regulatory Plan*Supervision & Examination Manual
April 2, 2013 - Request for Information Regarding Initiative to Promote Student Loan Affordability March 14, 2013 - Request for Information on Financial Products Marketed to College StudentsMarch 14, 2013 - Guidance on Mortgage Related IssuesMarch 7, 2013 - OMB Quantitative Testing Integrated DisclosuresFebruary 25, 2013 - Concurrent Proposal ATR February 19, 2013 - Information Request regarding Credit Card Markets February 14, 2013 - Policy to Encourage Trial Disclosure Programs; Information CollectionJanuary 30, 2013 - Joint Trade Comment Letter on Remittance Transfers January 30, 2013 - Remittance Transfers: Substantive Proposed ChangesJanuary 28, 2013 - Quarterly Submission of Credit Card Agreements January 16, 2013 - Mortgage Rules Atlanta Field HearingJanuary 15, 2013 - Joint Comment Letter on Proposed Delay of Effective Date of Remittance Transfer RulesJanuary 14, 2013 - Remittance Transfers Comment Letter RE: DelayJanuary 10, 2013 - Mortgage Related Rules (Field Hearing)January 4, 2013 - Ability to Repay
December 19, 2012 - Mortgage Rules Effective DatesDecember 14, 2012 - Regulation E: ATM Fee Disclosure Requirements November 6, 2012 - Combined Disclosures October 31, 2012 - Financial Literacy RFI October 25, 2012 - Strategic Plan October 16, 2012 - MLO Compensation October 15, 2012 - Regulation B: Free Access to Appraisals October 15, 2012 - Appraisals for Higher-Risk Mortgages October 9, 2012 - Mortgage ServicingSeptember 21, 2012 - Definition of Finance Charge September 7, 2012 - HOEPA August 30, 2012 - Consumer use of Reverse Mortgages August 20,2012 - Senior ExploitationJuly 20, 2012 - Supervisory Authority ProceduresJuly 19, 2012 - General Purpose Reloadable gift cards July 18, 2012 - Financial Product Complaints Disclosure July 9, 2012 - Qualified Mortgages June 29, 2012 - Arbitration Agreements June 18, 2012 - Overdraft Protection Programs June 7, 2012 - CARD Act Fee RestrictionsApril 16, 2012 - RESPA and TILA Integration ProcessApril 16, 2012 - Larger Participants in the Financial Services MarketApril 13, 2012 - Treatment of Privileged InformationApril 6, 2012 - Remittance TransfersFebruary 23, 2012 - Prototype Mortgage Disclsoure Forms at Settlement-Know Before You Owe ProjectFebruary 21, 2012 - Republishing of regulations implementing TILAFebruary 13, 2012 - Deposit InsuranceFebruary 2, 2012 - Credit Union Advisory BoardJanuary 30, 2012 - Credit Card Complaint Disclosure Policy
Read 2011 Comment Letters
CFPB unleashes complaint databaseCUs get deeper look at CFPB mortgage rulesCFPB rule removes credit card fee prohibitionWebcast digs deep into CFPB mortgage regsCFPB putting ATM fix into effectCUs, tell CFPB, NAFCU about reg costsCFPB notes ECOA liability for indirect lendersBecker calls for uniform CFPB guidanceCFPB blog spotlights elder financial abuseCFPB to hold complaint database field hearingCFPB credit union council to meetCFPB says Project Catalyst moving along NAFCU at SBA/CFPB meeting on review panels
Warren urges CUs to back CFPB rule exemptions Hunt urges expanded ability-to-repay exemptions CFPB eyes 4 banks' auto lending, ECOA CFPB eyes student loan 'affordability plan' Cordray: 4 classes of problems under scrutiny CARD Act costs outweigh benefits, NAFCU writes CFPB advisory board starts 2-day meeting MLO rule summary, scope/applicability chart online Cordray details mortgage rule implementation Trial disclosure program costly, Becker warns NAFCU unveils CFPB rule scope, applicability charts Exams, risk issues on Senate Banking agenda CFPB targets mortgage servicing transfers
CFPB heeds NAFCU on comp rule, concerns remainCFPB mortgage hearing draws CU repsCFPB, NAFCU to talk financial empowermentCFPB delay on remittances backedBecker urges more time, exemption under CFPB remittance ruleMore CFPB mortgage rules out this weekNAFCU reps at CFPB mortgage policy hearingCFPB agenda: TILA/RESPA reg in SeptemberHunt, Tefferi to attend CFPB field hearingCFPB rule defines when a rule is 'issued'
Hunt urges adequate time on CFPB mortgage regsCFPB unveils student lender proceduresNAFCU at CFPB on ‘Catalyst’NAFCU’s Hunt presses CFPB action for ATM fixCFPB proposes policy for disclosure trialsWebcast outlines CFPB rules aheadCFPB invites input on financial empowermentCFPB takes action against alleged mortgage scammersNAFCU-backed ATM, CFPB privilege bills approvedWebcast tomorrow on CFPB expectationsCFPB, DOJ to coordinate on fair lendingToday’s call-in eyes MBL, tax exemptionCFPB Discounts extended for CFPB Dec. 12 webcast
CFPB blogs on CU Advisory Council meeting CFPB proposes 90-day delay in remittance rule CFPB unveils citation report, appeals policy, new manual CFPB, FTC warn of ads targeting seniors FHFA, CFPB developing national mortgage database NAFCU’s Hunt urges CFPB to revisit TILA/RESPA proposal NAFCU’s Tefferi urges CFPB to emphasize financial ed Tefferi at 2-day CFPB financial empowerment talk Webcast Dec. 12 on CFPB and 2013 Webcast today on CFPB mortgage rules WSJ: Date to leave CFPB Jan. 31
CFPB posts student loan guide for servicemembers Webcasts give overview of CFPB mortgage rules NAFCU’s Berger pans CFPB 6-year plan CFPB designates supervised debt collectors CFPB taking credit report complaints CFPB heeds NAFCU on card rule CFPB urged to exempt small entities from proposal CFPB leaning toward QM safe harbor? Remittance liability issue eyed at CFPB CFPB issues small-entity guide on remittances NAFCU’s Tefferi asks CFPB to withdraw appraisal proposal OIG: CFPB complaint process could be improved Compliance Blog examines CFPB enforcement action CFPB CU Advisory Council meets today NAFCU’s Hunt urges CFPB to withdraw proposal
CFPB webinar Oct. 16 on remittancesNAFCU at CFPB advisory board meetingCFPB invites input on 5-year planCFPB begins supervising CRAs Sept. 30FDIC, CFPB hit Discover with enforcement orderBecker writes CFPB, NCUA on finance charge proposalMembers’ input sought on 2 CFPB requestsNAFCU-backed reps on CFPB advisory panelNAFCU alert out on CFPB appraisal proposalMembers’ input sought on 3 CFPB proposalsNAFCU, others ask CFPB to drop APR proposalNAFCU weighs in on CFPB’s HOEPA proposalWebcast details CFPB mortgage proposalsCFPB unveils exam procedures on credit bureausNAFCU meets with CFPB rule writersWebcast on CFPB mortgage proposals is tomorrow
FPB advisory board meets Sept. 27 Key Legislative Issues Caucus speakers focus on economy, CFPBNAFCU-backed reps on CFPB advisory panelNAFCU alert out on CFPB appraisal proposalBi-monthly Magazine The Federal Credit Union Members’ input sought on 3 CFPB proposalsNAFCU, others ask CFPB to drop APR proposalNAFCU weighs in on CFPB’s HOEPA proposalWebcast details CFPB mortgage proposalsCFPB unveils exam procedures on credit bureausNAFCU meets with CFPB rule writersExternal Issues and Reports Webcast on CFPB mortgage proposals is tomorrow
Cordray testimony on CFPB report postponed CFPB, DOE report to Congress on student loansBecker meets with CFPB’s PetraeusBecker says CFPB complaint data policy riskyCFPB orders $140 million to Capital One customersCFPB sets final rule on credit bureau supervisionCFPB to hold field hearing on credit reportingCFPB releases proposed mortgage forms, rulesCFPB sets rule protecting privileged infoExternal Issues and Reports Members’ input due soon on NCUA, CFPB regsCFPB mortgage servicing exemption limitedFinal Regulations, NCUACFPB unveils mortgage origination, comp proposalsFinancial Services Committee Lawmakers call for CFPB to delay remittance ruleKey Legislative Issues NAFCU offers CFPB input on mortgage proposalsKey Legislative Issues NAFCU at CFPB to discuss TILA/RESPAFederal Register CFPB comment deadline on elder abuse nearsNCUA, Online Security NAFCU discusses QM rule with CFPBKey Regulatory Issues Small entities issue report on CFPB proposalKey Regulatory Issues CFPB proposes mortgage servicing rule changesCFPB rule exempts 100 remittancesNote to 2 sides to every storyCFPB asks for ideas where to interveneCompliance team posts helps on CFPBBecker to Hill: CFPB's proposed mortgage regs need workCFPB webinar Oct. 16 on remittancesNAFCU at CFPB advisory board meetingCFPB invites input on 5-year planCFPB begins supervising CRAs Sept. 30Financial Services Committee FDIC, CFPB hit Discover with enforcement orderBecker writes CFPB, NCUA on finance charge proposal
CFPB reports to Congress on reverse mortgagesSenate Banking Committee Suit challenges CFPB constitutionalitySpending, MSBs and CFPB get actionCFPB may add narrative fields to public databaseCFPB mortgage rulemaking eyed in webcast todayCFPB credit-card complaint database public, more aheadNAFCU cautions CFPB on changes to overdraftKey Regulatory Issues NAFCU urges better cost analysis by CFPBCFPB looking into elder financial abuseCFPB publishes, seeks input on private student loansCFPB mortgage disclosures, 2013 spending slatedCFPB warns of ‘sweepstakes’ scamWall Street Journal NAFCU supports CFPB credit-card fee proposalCFPB eyeing CARD Act rule fixCFPB sets rules on investigationsCFPB, NCUA, bank agencies agree to coordinate on supervisionNAFCU seeks CUs’ input on CFPB-related costsCFPB seeks more input on ‘qualified mortgage’ rule
CFPB still taking comments on overdraft, Reg ZCFPB issues ANPR on prepaid cardsCFPB hearing on prepaid cards tomorrowCFPB’s Rosenthal blogs on financial empowermentCU industry reps at CFPB on mortgage servicingCFPB targets mortgage costs, originator standardsCFPB, DoD partner to protect service members
CFPB seeking input on use of arbitrationMore time to write CFPB on overdraftCordray details CFPB focus for CUsNAFCU members at CFPB on mortgage servicingCordray set to address NAFCU webcast today4 CU reps in CFPB review panel meetingCFPB clarifies mortgage originator licensing issueBill to end HAMP, limit CFPB clear panelCFPB affirms use of ECOA effects testShea urges CFPB focus on nondepository entitiesCordray headlines April 24 webcastCFPB proposes to reverse CARD Act rule change on feesThird-party providers in CFPB viewFinancial student aid shopping tool from CFPBCFPB drafting mortgage servicing rulesCFPB reports on consumer complaintsCFPB regs may curtail CU remittance transfersNAFCU, CFPB discuss CU issuesCFPB eyes loan originator compensation rules
NAFCU nominates 3 to Consumer Advisory BoardMembers' input sought on CFPB, FinCEN rulesCFPB files in TILA suit, plans moreHouse clears CFPB privileged info billCFPB reports on debt collection complaintsCFPB drafts rule on privileged infoBureau invites responses on reg streamliningMembers' input sought on overdraft fee practicesKucey at CFPB small-biz panel meeting on mortgage disclosuresMore mortgage rules to come from CFPBCFPB accepting private student loan complaintsBecker targets Regs Z, E provisions for elimination by CFPBCFPB taking complaints on checking accounts
Comments due April 30 to CFPB on overdraftLender cost info not helpful, NAFCU tells CFPBCFPB forming consumer advisory groupCFPB looking at overdraft fees, disclosuresCFPB small-biz panel formed, eyes mortgage formShea urges CFPB to simplify Reg ZCFPB tool to collect consumer inputMembers' input sought on remittance proposalNAFCU, CFPB discuss CU issuesBureau targets debt collectors, reporting agenciesCFPB info protection bill on 2 tracksClarity needed on CFPB treatment of privileged information, Berger saysCFPB ups HMDA reporting thresholdCFPB turns to mortgage statementsBureau FTEs to exceed 1,300 in 2013Cordray attends first financial literacy meetingCFPB publishes semiannual agendaPetraeus welcomes mortgage servicing settlementFed proposed rules could get CFPB actionCFPB working on CU advisory groupSenate Republicans to challenge CordrayNAFCU at Treasury, CFPB on financial literacy Cordray touts CUs to lawmakers
First CFPB report to Congress todayNAFCU notes complaint proposal concerns3rd round of mortgage closing disclosures outCordray grilled on CFPB plansCFPB, FTC sign working agreementCFPB issues final remittance transfer rulesCFPB to focus on payday lendingCFPB holds hearing on payday lendingCFPB to seek financial literacy infoCFPB announces diversity office DOJ issues opinion on Cordray appointment NAFCU, CFPB to meet over ability to repayCFPB releases original exam proceduresCordray agrees to testify on appointmentCordray, Becker talk CU issuesLawmakers question DOJ on Cordray appointment Obama sets focus on 'bad actors' Cordray: CFPB to take on nonbanksNonbank supervision program detailedCordray appointed CFPB directorNon-regulated providers to feel greatest impact Input sought on CFPB complaint process, more CFPB seeks Reg E Comments
Read 2011 News.