Consumer Compliance Outlook > Regulatory Calendar

Regulatory Calendar

Effective Date†	Implementing Regulation	Regulatory Change
11/19/2020	12 C.F.R. Part 1041	Final rule to delay compliance date for mandatory underwriting provisions of the payday lending rule
7/1/2020 (most provisions)	Reg. CC	Final rule implementing required adjustments to the Expedited Funds Availability Act’s (EFAA) dollar amounts
*	Reg. C	Extension of comment period to October 15, 2019, for advanced rulemaking proposal to modify HMDA data points and coverage
*	Reg. C	Proposed rule to amend to change the HMDA reporting thresholds for closed-end and open-end loans
*	Reg. C	Advanced notice of proposed rulemaking to eliminate some HMDA data fields
*	Reg. F	Proposed rule to implement the Fair Debt Collection Practices Act
4/1/2019	Regs. Z and E	Technical specifications for submissions to the Prepaid Account Agreements Database
*	Reg. Z	Advanced notice of proposed rulemaking to solicit information related to residential Property Assessed Clean Energy (PACE) financing
1/31/2019	Reg. C	Final rule adjusting asset-size threshold for exemption from HMDA reporting
1/31/2019	Reg. V	Final rule adjusting the maximum dollar amount a consumer reporting agency can charge under the Fair Credit Reporting Act for consumer disclosures
1/31/2019	Reg. Z	Final rule adjusting asset-size threshold to qualify for small creditor exemptions
*	Reg. CC	Proposed rule to adjust the calculation methodology used under the EFAA
1/1/2019	Regs. Z and M	Final rule adjusting dollar thresholds for determining exempt consumer credit and transactions in 2019
9/21/2018	Reg. V	Interim final rule to revise two model forms required under Section 609 of the Fair Credit Reporting Act (FCRA)

† We have listed the primary effective date. Some final rules have multiple effective dates for different provisions.