最后的规则

本局已发出此程序规则，以更新其《亚搏体育官方网站》.

The Federal Civil Penalties Inflation Adjustment Act of 1990, as amended by the Debt Collection Improvement Act of 1996 and further amended by the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015 (Inflation Adjustment Act, 指示联邦机构在7月1日之前根据通货膨胀的因素调整其管辖范围内的民事罚款数额, 2016, and then not later than January 15 every year thereafter.

The Bureau of Consumer Financial Protection (Bureau) is issuing a final rule amending the official commentary that interprets the requirements of the Bureau's Regulation C (Home 抵押贷款 Disclosure) to reflect the asset-size exemption threshold for banks, savings associations, and credit unions based on the annual percentage change in the average of the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).

本规则修改了法规Z(真实贷款)，以实施多德-弗兰克法案制定的真实贷款法案的某些修正案. This rule amends the official commentary that interprets the requirements of the Bureau’s Regulation Z (Truth in Lending) to reflect changes in the asset-size thresholds for certain creditors to qualify for an exemption to the requirement to establish an escrow account for a higher-priced mortgage loan. These changes reflect updates to, 与附属公司一起，定期延长有优先留置权担保的交易, 总资产是否少于20亿美元(每年经通货膨胀调整后)，以及联邦调查局增加的免税额, by implementing section 108 of the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA), 针对某些资产不超过100亿美元的受保储蓄机构和受保信用合作社(每年经通货膨胀调整). These amendments are based on the annual percentage change in the average of the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). Based on the 4.在截至2021年11月的12个月期间，CPI-W平均增长了7%, the exemption threshold for creditors and their affiliates that regularly extended covered transactions secured by first liens is adjusted to $2.336 billion from $2.2300亿年. The exemption threshold 针对某些资产不超过100亿美元的受保储蓄机构和受保信用合作社(每年经通货膨胀调整) is adjusted to $10.473 billion from $10 billion.

皇冠app下载金融保护局(Bureau)正在修订条例Z, which implements the Truth in Lending Act (TILA), generally to address the anticipated sunset of LIBOR, which is expected to be discontinued for most U.S. Dollar (USD) tenors in June 2023.

The Board and the Bureau are finalizing amendments to the official interpretations and commentary for the agencies' regulations that implement the Consumer Leasing Act (CLA). The Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) amended the CLA by requiring that the dollar threshold for exempt consumer leases be adjusted annually by the annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). 统计局正在根据6月1日生效的皇冠app下载价格指数(cpi)反映的年度变动百分比来调整这一数字, 2021

这一最终规则宣布将免税门槛从27美元提高,200 to $28,500, effective January 1, 2022.

The Board and the Bureau are publishing final rules amending the official interpretations and commentary for the agencies’ regulations that implement the Truth in Lending Act (TILA). The Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) amended TILA by requiring that the dollar threshold for exempt consumer credit transactions be adjusted annually by the annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). 统计局正在根据6月1日生效的皇冠app下载价格指数(cpi)反映的年度变动百分比来调整这一数字, 2021

This final rule amends an appendix for Regulation V, which implements the Fair Credit Reporting Act (FCRA). The Bureau is required to calculate annually the dollar amount of the maximum allowable charge for disclosures by a consumer reporting agency to a consumer pursuant to FCRA section 609; this final rule establishes the maximum allowable charge for the 2022 calendar year.

本咨询意见强调，皇冠app下载报告机构使用不适当的匹配程序将信息与皇冠app下载匹配, including name-only matching, in preparing consumer reports is not using reasonable procedures to assure maximum possible accuracy under section 607(b) of the Fair Credit Reporting Act.

This final rule revises, as applicable, 用于实施和修订tilla的规定的美元数额, 包括2009年信用卡责任与披露法案(Card Act), the Home Ownership and Equity Protection Act of 1994 (HOEPA), 《多德-弗兰克华尔街改革和皇冠app下载保护法》(Dodd-Frank Act). The Bureau is adjusting these amounts, where appropriate, 是根据6月1日起生效的居民消费价格指数(CPI)反映的年度变动百分比计算而成, 2021.

本局现撤回有关推迟《亚搏体育官方网站》生效日期的建议. 《皇冠app下载》的最终规定将于2021年11月30日生效.

This final rule makes limited revisions to the Bureau’s regulations that establish the procedures used to obtain records from the Bureau under the 隐私 Act.

该局正在发布信用卡协议的技术规范和TILA和card Act要求的数据提交.

This interpretive rule clarifies certain Regulation Z timing requirements in light of legislation that designated “Juneteenth National Independence Day, June 19” (Juneteenth) as a legal public holiday.

The Bureau of Consumer Financial Protection (Bureau) is issuing this final rule to amend 监管X to assist mortgage borrowers affected by the COVID-19 emergency.

The CFPB has authority to conduct supervisory examinations regarding the risks to consumers from conduct that violates the Military Lending Act.

该最终规则将QM总最终规则的强制遵守日期推迟至2022年10月1日.

This interim final rule requires debt collectors to provide written notice to certain consumers of their protections under the CDC Order’s eviction moratorium and to clarify that certain misrepresentations are prohibited.

美国皇冠app下载金融保护局(Bureau)现发布本解释规则以澄清这一点, with respect to any aspect of a credit transaction, 《皇冠app下载》(ECOA)和条例B中对性别歧视的禁止, which implements ECOA, 包括性取向歧视和性别身份歧视, including discrimination based on actual or perceived nonconformity with sex-based or gender-based stereotypes and discrimination based on an applicant’s associations.

Amendments to exempt certain insured depository institutions and insured credit unions from the requirement to establish escrow accounts for certain higher-priced mortgage loans.

The Consumer Financial Protection Bureau is adopting a final rule that codifies the Interagency Statement Clarifying the Role of Supervisory Guidance.

本咨询意见涉及法规B的监管不确定性, which implements the Equal Credit Opportunity Act, as it applies to certain aspects of special purpose credit programs designed and implemented by for-profit organizations to meet special social needs.

This rule amends Regulation F, which implements the Fair Debt Collection Practices Act (FDCPA), 制定管理收债人活动的联邦法规, as that term is defined in the FDCPA.

The Bureau of Consumer Financial Protection (Bureau) is issuing this final rule to create a new category of QM loans (Seasoned QM loans) for first-lien, 满足某些性能要求的固定费率覆盖的交易, 原始债权人或第一买家是否在投资组合内持有36个月, 遵守产品特性、积分和费用的一般限制, and meet certain underwriting requirements.