Consumer Compliance Outlook > Regulatory Calendar

Regulatory Calendar

Effective Date†	Implementing Regulation	Regulatory Change
1/1/2022	Reg. C	Final rule establishing 200 loans as the permanent Home Mortgage Disclosure Act (HMDA) data reporting threshold for open-end lines of credit
11/19/2020	12 C.F.R. Part 1041	Final rule delaying compliance date for mandatory underwriting provisions of the payday lending rule
7/1/2020	Reg. C	Final rule increasing HMDA reporting threshold for closed-end loans from 25 to 100
7/1/2020(most provisions)	Reg. CC	Final rule implementing required adjustments to the Expedited Funds Availability Act’s (EFAA) dollar amounts
5/4/2020	Reg. X/Reg. Z	Interpretive rule regarding the application of certain provisions in the TILA-RESPA Integrated Disclosure Rule and Regulation Z Right of Rescission Rules in light of the COVID-19 pandemic
4/28/2020	Reg. D	Interim final rule deleting the six-per-month limit on transfers and withdrawals from savings deposits
4/27/2020	Reg. E	Interpretive rule that government pandemic relief payments are not subject to prohibition against compulsory electronic fund transfers
11/24/2019	Reg. Z	Interpretive rule regarding the obligations of a loan origination organization under Regulation Z when an employee is a loan originator pursuant to temporary authority under the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act)
*	Reg. F	Proposed rule requiring debt collectors to disclose when statute of limitations has expired for the debt they are attempting to collect
*	Reg. E	Proposed rule increasing exemption threshold to 500 transfers and to make permanent the temporary use of estimates by depository institutions
*	Reg. C	Advanced notice of proposed rulemaking to change the requirements for some of the HMDA data fields
*	Reg. F	Proposed rule implementing the Fair Debt Collection Practices Act

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