Major Regulatory Developments At-a-Glance
2018 Regulatory Developments Comment Due Date Final Effective Date To Do
September 12, 2018: Consumer Financial Protection Bureau (CFPB) interim final rule
amending to Regulation V to update model forms for the Summary of Consumer Identity
Theft Rights and the Summary of Consumer Rights in Appendices I and K to incorporate
a notice required by new Fair Credit Reporting Act section 605A(i)( 5), added by the
Economic Growth, Regulatory Relief, and Consumer Protection Act.
X September 21, 2018
September 14, 2018: Federal Reserve Board, Federal Deposit Insurance Corporation and
Office of the Comptroller of the Currency announce favorable Community Reinvestment Act
consideration to revitalization activities in disaster areas affected by Hurricane Florence.
X September 14, 2018
August 31, 2018: CFPB issues an interpretive and procedural rule to implement and
clarify the requirements of section 104(a) of S.2155 amending certain provisions of the
X September 7, 2018
August 27, 2018: CFPB amends Regulation Z to update certain annual dollar thresholds
for several Regulation Z provisions including for the Card Act, HOEPA, and qualified
X January 1, 2019
June 25, 2018: The Federal Reserve Board, Federal Deposit Insurance Corporation
and Office of the Comptroller of the Currency announced the 2018 list of distressed or
underserved nonmetropolitan middle-income geographies.
X June 1, 2018
June 15, 2018: The Federal Reserve Board, Federal Deposit Insurance Corporation and
Office of the Comptroller of the Currency Issue Host State Loan-to-Deposit Ratios.
X June 30, 2018
April 26, 2018: CFPB amendments to Federal mortgage disclosure requirements under
the Real Estate Settlement Procedures Act (RESPA) and the Truth in Lending Act (TILA)
implemented by Regulation Z.
X June 1, 2018
March 8, 2018: CFPB rule amending certain Regulation Z mortgage servicing rules issued
in 2016 relating to periodic statements.
X April 19, 2018
January 25, 2018: Federal Reserve Board, Federal Deposit Insurance Corporation and
Office of the Comptroller of the Currency announce favorable Community Reinvestment
Act consideration to revitalization activities in disaster areas affected by Hurricane Maria.
January 25, 2018
September 21, 2018: Federal Reserve Board requests public comment on Regulation
H and Regulation K amendments to repeal provisions that incorporate the S.A.F.E. Act
reflecting the transfer of the Board’s rulemaking authority for the S.A.F.E. Act to the CFPB.