Effective Date or Proposal Date†

Implementing Regulation

Regulatory Change

10/01/22

Reg. Z

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

04/01/22

Reg. Z

Final rule amending Regulation Z to facilitate the transition from the LIBOR interest rate index

01/01/22

CRA

Final rule of the Office of the Comptroller of the Currency to rescind its June 2020 CRA modernization rule

01/01/22

Regs. Z and M

Final rules establishing dollar thresholds for credit exempt from Regulations Z and M

01/01/22

Reg. Z

Final rule establishing a loan exemption threshold for appraisals of higher-priced mortgages for 2022

01/01/22

Reg. C

Final rule establishing 200 loans as the permanent Home Mortgage Disclosure Act data reporting a threshold for open-end lines of credit

11/30/21

Reg. F

Final rule that creates implementing regulations for the Fair Debt Collection Practices Act

09/01/21

Reg. B

The Bureau’s §1071 rulemaking proposal for lenders to collect and report data on small business credit applications, including women and minority-owned businesses

08/12/21

Reg. Z

Interpretive rule: impact of the 2021 Juneteenth Holiday on certain closed-end mortgage requirements

07/19/21

N/A

Proposed Interagency Guidance on Third-Party Relationships: Risk Management

06/23/21

MLA

Bureau’s interpretive rule for authority to conduct Military Lending Act examinations

05/10/21

N/A

Federal Reserve Board’s statement on the role of supervisory guidance

03/18/21

Reg. H

Agencies issue second proposed amendments to flood insurance questions and answers

03/16/21

Reg. B

Bureau issues interpretive rule that the scope of sex discrimination under the Equal Credit Opportunity Act includes sexual orientation and gender identity

03/01/21

Reg. Z

Final rule creating new QM category for Seasoned Loans

09/21/20

CRA/Reg. BB

Advanced notice of proposed rulemaking seeking comment on framework to modernize the Federal Reserve Board’s implementing regulation for the Community Reinvestment Act

08/04/20

Reg. Z

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

07/21/20

Reg. E

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

07/10/20

Reg. H

Proposed revisions to interagency questions and answers regarding flood insurance