Regulatory Calendar

Effective Date or Proposal Date†	Implementing Regulation	Regulatory Change
10/01/25*	Regs. E and Z	Consumer Financial Protection Bureau (CFPB) issues final rule for overdraft fee very Large Financial Institutions
10/01/25*	Reg. Z	Agencies issue final rule on quality control standards for automated valuation models
07/01/25	Reg. CC	Agencies implement inflation-adjusted dollar thresholds for Regulation CC funds availability
01/17/25	12 U.S.C. §1033	CFPB issues final rule on personal financial data rights
01/09/25	12 C.F.R. §1090.109	CFPB issues larger participant final rule for the general-use digital consumer payment applications market
01/01/25	Reg. Z	Agencies announce dollar thresholds for smaller loan exemption from appraisal requirements for higher-priced mortgage loans
01/01/25	Regs. M and Z	Agencies adjust dollar thresholds for consumer credit and lease transactions
12/09/24	Reg. V	CFPB issues an advance notice of proposed rulemaking for furnishing information about coerced debt
12/03/24	Reg. V	CFPB issues proposal to define data brokers as consumer reporting agencies subject to the Fair Credit Reporting Act
07/30/24	Reg. Z	CFPB issues interpretive rule applying certain provisions of Regulation Z to Buy Now, Pay Later loans
07/26/24	FHA, Regs. Z and B	Final Interagency Guidance on Reconsiderations of Value of Residential Real Estate Valuations
06/18/24	Reg. V	CFPB issues proposed rule to limit the use of medical debt in underwriting consumer credit
05/14/24**	Reg. Z	CFPB issues final rule for credit card penalty fees
04/29/24	24 C.F.R. §100.500	Guidance on Application of the Fair Housing Act to the Advertising of Housing, Credit, and Other Real Estate-Related Transactions Through Digital Platforms
02/23/24	Regs. E and Z	CFPB issues proposal to regulate credit overdrafts at very large financial institutions
02/01/24***	Reg. BB	Agencies issue final rule to modernize their implementing regulations for the Community Reinvestment Act
01/31/24	12 C.F.R. §1042.2	CFPB issues proposal to prohibit fees for instantaneously declined transactions
11/14/23	Reg. II	Federal Reserve issues proposal to lower the maximum interchange fee a large debit card issuer may charge
10/30/23	n/a	Agencies issue principles for climate-related financial risk management for large financial institutions
10/12/23	Reg. B	CFPB and Department of Justice issue Joint Statement on Fair Lending and Credit Opportunities for Noncitizen Borrowers Under the Equal Credit Opportunity Act
09/19/23	Reg. B	CFPB issues Advisory Opinion on adverse action notice requirements for creditors using artificial intelligence
08/29/23****	Reg. B	CFPB’s Statement on Enforcement and Supervisory Practices Relating to the Small Business Lending Rule Under the Equal Credit Opportunity Act and Regulation B

† Because proposed rules do not have an effective date, we have listed the Federal Register publication date.

* Subject to CFPB review

** A federal court in Texas issued an injunction in May 2024 staying the rule and declined in December 2024 to lift the stay.

*** In March 2024, a federal court in Texas issued an injunction staying the rule, which the agencies have appealed to the Fifth Circuit Court of Appeals.

**** A lawsuit was filed in a Texas federal court challenging the §1071 rule. In September 2024, the court held the rule was properly issued. The decision has been appealed to the Fifth Circuit.