Regulatory Calendar

Effective Date or Proposal Date†

Implementing Regulation

Regulatory Change


Reg. Z

Final rule to delay the mandatory compliance date of the General Qualified Mortgage (QM) final rule and continue the government-sponsored enterprise (GSE) patch until October 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



Federal Reserve’s final rule on the role of supervisory guidance


Reg. H

Second proposed revisions to interagency flood insurance Q&As


Reg. Z

Final rule under the Economic Growth, Regulatory Relief, and Consumer Protection Act to create a new exemption from escrow requirements for higher-priced mortgage loans


Reg. Z

Final rule creating new QM category for Seasoned Loans


Reg. F

Final rule creating implementing regulations for the Fair Debt Collection Practices Act


12 C.F.R. Part 1041

Final rule revoking the underwriting requirements for payday, vehicle title, and certain high-cost installment loans


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


Reg. E

Final rule that permits insured institutions to estimate the exchange rate for a remittance transfer and increases exemption threshold from 100 to 500 remittance transfers per year


Reg. H

First of two proposed revisions to interagency questions and answers regarding flood insurance


Reg. X

Interim final rule to require servicers to offer COVID-19-related loss mitigation options based on the evaluation of an incomplete loss mitigation application


Reg. C

Final rule increasing HMDA reporting threshold for closed-end loans from 25 to 100


(most provisions)

Reg. CC

Final rule implementing required adjustments to the Expedited Funds Availability Act’s dollar amounts


Reg. Z

Interpretive rule to update the definition of “underserved area” that applies to certain provisions of Regulation Z to reflect amendments to Regulation C on which the definition is based


Reg. Z

Proposed rule to address the effect of the sunset of LIBOR on sections of Regulation Z


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


Reg. D

Interim final rule eliminating the six-per-month limit on transfers and withdrawals from savings deposits


Reg. E

Interpretive rule that government pandemic relief payments are not subject to prohibition against compulsory electronic fund transfers

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

*On April 7, 2021, the Bureau proposed to delay the effective date until January 29, 2022.