Skip to main content

最后的规则

规则 listed here are final rules issued by the CFPB. 要识别与单一消费金融产品相关的所有规则,请使用下面的过滤工具.

Types of final rules

最后的规则

Other than interim final rules, this includes all CFPB final rules, including procedural and interpretive rules. 一般来说,最终的规则在发布之前要经过通知和评论.

Interim 最后的规则

在某些情况下,皇冠app下载金融保护局在发布最终规则前可能没有评议期. 皇冠app下载金融保护局可以就本规则征求意见,必要时可以修改.

日期范围
Clear 过滤器
112 filtered results
类别: 最后的规则 |

Civil Penalty Inflation Adjustments

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.

类别: 最后的规则 |

住房抵押贷款披露(法规C)调整资产规模豁免阈值

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).

类别: 最后的规则 |

《皇冠app下载》(第Z条)资产规模豁免阈值调整

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.

类别: 最后的规则 |

Consumer Leasing (监管米) Annual Threshold Adjustments

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

类别: 最后的规则 |

Truth in Lending (Regulation Z) Threshold Adjustments

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

类别: 最后的规则 |

Fair Credit Reporting Act Disclosures

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.

类别: 最后的规则 |

贷款真相(法规Z)年度阈值调整(信用卡, HOEPA, and Qualified 抵押贷款)

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.

类别: 最后的规则 |

Equal Credit Opportunity (Regulation B); Discrimination on the Bases of Sexual Orientation and Gender Identity

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.

类别: 最后的规则 |

《皇冠app下载》(法规Z)下的合格抵押贷款定义:经验丰富的QM贷款定义

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.