Regulatory Developments Comment Due Date Final Effective Date To Do
Credit-Related
November 23, 2016 Consumer Financial Protection Bureau (Bureau), Federal Reserve
Board of Governors (FRB), Office of the Comptroller of the Currency (OCC) rule on
Method to Adjust the Threshold for Exempting Small Loans from Special Appraisal
Requirements and Announce 2017 threshold.
http://www.consumerfinance.gov/policy-compliance/rulemaking/final-rules/
appraisals-higher-priced-mortgage-loans-exemption-threshold-adjustments/
X January 1, 2017
November 23, 2016 Bureau and FRB rule on Method to Adjust the Threshold for
Exempting Certain Consumer Credit and Lease Transactions and Announce 2017
Thresholds.
https://www.federalreserve.gov/newsevents/press/bcreg/20161123b.htm
X January 1, 2017
September 23, 2016 Bureau notice pursuant to section 706(e) of the Equal Credit
Opportunity Act concerning the new Uniform Residential Loan Application and the
Collection of Expanded Home Mortgage Disclosure Act Information about Ethnicity and
Race in 2017.
http://www.consumerfinance.gov/policy-compliance/rulemaking/final-rules/
status-new-uniform-residential-loan-application-and-collection-expanded-
home-mortgage-disclosure-act-information-about-ethnicity-and-race-2017-
under-regulation-b/
X September 23, 2016
August 4, 2016 Bureau servicing amendments to the 2013 Mortgage Rules under the
Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act
(Regulation Z).
http://www.consumerfinance.gov/policy-compliance/rulemaking/final-rules/
amendments-2013-mortgage-rules-under-real-estate-settlement-procedures-
act-regulation-x-and-truth-lending-act-regulation-z/
X October 19, 2017
Selected
amendments
April 19, 2018
August 4, 2016 Bureau Safe Harbors from Liability under the Fair Debt Collection
Practices Act for Certain Actions Taken in Compliance with Mortgage Servicing Rules
under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending
Act (Regulation Z).
http://www.consumerfinance.gov/policy-compliance/rulemaking/final-rules/
safe-harbors-liability-under-fair-debt-collection-practices-act-certain-actions-taken-compliance-mortgage-servicing-rules-under-real-estate-settlement-procedures-act-regulation-x-and-truth-lending-act-regulation-z/
X October 19, 2017
Interpretation
contained in Part II.A
April 19, 2018
July 15, 2016 Interagency1 revisions to Questions and Answers Regarding Community
Reinvestment.
https://www.federalreserve.gov/newsevents/press/bcreg/20160715a.htm
X July 15, 2016
March 25, 2016 Bureau interim rule regarding eligibility to be considered under
Operations in Rural Areas for certain provisions of the Truth in Lending Act
(Regulation Z).
https://www.federalregister.gov/articles/2016/03/25/2016-06834/operations-in-
rural-areas-under-the-truth-in-lending-act-regulation-z-interim-final-rule
X March 31, 2016
1Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, and Office of the Comptroller of the Currency
