Skip to main content

final rules

rules listed here are final rules issued by the CFPB. 要确定与单个消费金融产品相关的所有规则,请使用下面的筛选工具.

Types of final rules

final rule

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

Interim final rule

在某些情况下,消费者金融保护局可在发布前不设评议期发布最终规则. 消费者金融保护局可就这些规则征求意见,并可在必要时修改规则.

date range
Clear filters
115 filtered results
category: final rule |

住房抵押贷款披露(法规C)调整资产规模豁免门槛

美国消费者金融保护局(Bureau of Consumer Financial Protection,简称Bureau)发布了一项最终规则,修改了官方评论,解释了该局的法规C(住房抵押贷款披露)的要求,以反映银行的资产规模豁免门槛, savings associations, 按城镇工薪族和文职人员消费价格指数(CPI-W)年平均变动百分比计算.

category: final rule |

《黄金城集团》(规则Z)调整资产规模豁免门槛

该规则修正了规则Z(贷款真相),以实施多德-弗兰克法案对贷款真相法案的某些修正. 该规定修正了官方对该局《黄金城集团》要求的解释,以反映某些债权人的资产规模门槛的变化,这些债权人才有资格豁免为更高价格的抵押贷款设立托管账户的要求. These changes reflect updates to, 以及定期延长优先留置权担保的覆盖交易的附属机构, 总资产少于20亿元(按通胀按年调整),而税务局增加的豁免, by implementing section 108 of the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA), 某些资产在100亿元或以下(按通货膨胀率每年调整)的有保险存款机构及有保险的信用合作社. 上述修订是根据城镇工薪族及文职人员消费价格指数(CPI-W)的年平均变动百分比计算的。. Based on the 4.在截至2021年11月的12个月期间,CPI-W的平均值增加了7%, 对定期延长优先留置权担保的担保交易的债权人及其关联方的豁免门槛调整为2美元.336 billion from $2.230 billion. 某些资产在100亿美元或以下(按通货膨胀率每年调整)的有保险的存款机构和有保险的信用社的豁免门槛调整为10美元.473 billion from $10 billion.

category: final rule |

Consumer Leasing (Regulation M) Annual Threshold Adjustments

委员会和联邦调查局正在对执行《黄金城集团》(CLA)的机构法规的官方解释和评论进行最后修订。. 多德-弗兰克华尔街改革和消费者保护法案(多德-弗兰克法案)修订了CLA,要求豁免消费者租赁的美元门槛每年根据城市工薪族和文书工作者消费价格指数(CPI-W)的年增长率进行调整。. 本局现正根据由六月一日起的消费物价指数的年度变动百分比,调整有关款额, 2021

category: final rule |

Truth in Lending (Regulation Z) Threshold Adjustments

委员会和调查局正在发布最终规则,修改机构实施《黄金城集团》(TILA)的法规的官方解释和评论。. 多德-弗兰克华尔街改革和消费者保护法案(多德-弗兰克法案)修订了TILA,要求豁免消费信贷交易的美元门槛每年根据城市工薪族和文书工作者消费价格指数(CPI-W)的年增长率进行调整。. 本局现正根据由六月一日起的消费物价指数的年度变动百分比,调整有关款额, 2021

category: final rule |

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.

category: final rule |

贷款的真相(规则Z)年度门槛调整(信用卡, hoepa, and Qualified mortgages)

This final rule revises, as applicable, 执行《黄金城集团》条款和《黄金城集团》修正案的美元数额, 包括《黄金城集团》(Card Act), 《黄金城集团》, 以及《黄金城集团》. The Bureau is adjusting these amounts, where appropriate, ,以由六月一日起生效的消费物价指数(CPI)所反映的年度百分比变动为准, 2021.

category: final rule |

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

美国消费者金融保护局(Bureau of Consumer Financial Protection)发布这一解释性规则是为了澄清这一点, with respect to any aspect of a credit transaction, 《黄金城集团》(ECOA)和条例B禁止性别歧视, which implements ECOA, 包括性取向歧视和性别认同歧视, 包括基于实际或感觉上不符合基于性别或基于性别的刻板印象的歧视和基于申请人的联系的歧视.