Effective Date or Proposal Date†
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Implementing Regulation
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Regulatory Change
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10/01/22
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Reg. Z
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Final rule to extend the sunset date for the temporary Government-Sponsored Enterprise (GSE) Qualified Mortgage (QM) loan definition
Note: The GSEs announced in May 2021 that they can no longer purchase Patch GSE QM loans after June 30, 2021, despite the Consumer Financial Protection Bureau (Bureau)’s extension to October 1, 2022
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04/01/22
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Reg. Z
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Final rule amending Regulation Z to facilitate the transition from the LIBOR interest rate index
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01/01/22
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CRA
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Final rule of the Office of the Comptroller of the Currency to rescind its June 2020 CRA modernization rule
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01/01/22
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Regs. Z and M
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Final rules establishing dollar thresholds for credit exempt from Regulations Z and M
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01/01/22
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Reg. Z
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Final rule establishing a loan exemption threshold for appraisals of higher-priced mortgages for 2022
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01/01/22
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Reg. C
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Final rule establishing 200 loans as the permanent Home Mortgage Disclosure Act data reporting a threshold for open-end lines of credit
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11/30/21
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Reg. F
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Final rule that creates implementing regulations for the Fair Debt Collection Practices Act
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09/01/21
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Reg. B
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The Bureau’s §1071 rulemaking proposal for lenders to collect and report data on small business credit applications, including women and minority-owned businesses
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08/12/21
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Reg. Z
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Interpretive rule: impact of the 2021 Juneteenth Holiday on certain closed-end mortgage requirements
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07/19/21
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N/A
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Proposed Interagency Guidance on Third-Party Relationships: Risk Management
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06/23/21
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MLA
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Bureau’s interpretive rule for authority to conduct Military Lending Act examinations
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05/10/21
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N/A
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Federal Reserve Board’s statement on the role of supervisory guidance
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03/18/21
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Reg. H
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Agencies issue second proposed amendments to flood insurance questions and answers
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03/16/21
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Reg. B
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Bureau issues interpretive rule that the scope of sex discrimination under the Equal Credit Opportunity Act includes sexual orientation and gender identity
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03/01/21
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Reg. Z
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Final rule creating new QM category for Seasoned Loans
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09/21/20
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CRA/Reg. BB
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Advanced notice of proposed rulemaking seeking comment on framework to modernize the Federal Reserve Board’s implementing regulation for the Community Reinvestment Act
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08/04/20
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Reg. Z
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Proposed rule under the Economic Growth, Regulatory Relief, and Consumer Protection Act to create a new exemption from escrow requirements for higher-priced mortgage loans
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07/21/20
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Reg. E
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Final rule allowing insured institutions to estimate the exchange rate for a remittance transfer and increases exemption threshold from 100 to 500 remittance transfers per year
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07/10/20
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Reg. H
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Proposed revisions to interagency questions and answers regarding flood insurance
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