Effective Date or Proposal Date†

Implementing Regulation

RegulatoryChange

01/01/22

Reg. C

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

11/02/20

12 C.F.R. Part 1041

Final rule delaying the compliance date for mandatory underwriting provisions of the payday lending rule 

09/21/20

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 

08/21/20

Reg. Z

Proposed rule to create the new Qualified Mortgage category for Seasoned Loans 

08/04/20

Reg. Z

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

07/22/20

Reg. Z

Proposed rule to extend the sunset date for the temporary GSE QM loan definition 

07/21/20

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  

07/10/20

Reg. H

Proposed revisions to interagency questions and answers regarding flood insurance  

07/01/20

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 

07/01/20

Reg. C

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

07/01/20

(most provisions)

Reg. CC

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

06/26/20

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 

06/18/20

Reg. Z

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

05/04/20

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   

04/28/20

Reg. D

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

04/27/20

Reg. E

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

03/03/20

Reg. F

Proposed rule requiring debt collectors to disclose when the statute of limitations has expired for the debt they are attempting to collect