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Prior Agency Rule vs. CFPB Republished Rule
Title X of the Dodd-Frank Act transferred rulemaking authority for fourteen consumer financial protection laws to the Consumer Financial Protection Bureau on July 21, 2011. The Bureau is in the process of republishing the regulations implementing those laws with technical and conforming changes to reflect the transfer of authority to the Bureau and certain other non-substantive changes to the regulations made by the Dodd-Frank Act. The following chart provides links to the prior federal agency rule and the new rule as republished by the Bureau. Read ABA's Staff Analysis.
| Prior Agency Rule | CFPB Republished Rule |
|
Equal Credit Opportunity - FRB Regulation B (12 CFR 202) |
Equal Credit Opportunity - Regulation B (12 CFR 1002) |
| Home Mortgage Disclosure - FRB Regulation C (12 CFR 203) |
Home Mortgage Disclosure - Regulation C (12 CFR 1003) |
|
Electronic Fund Transfers - FRB Regulation E (12 CFR 205) |
Electronic Fund Transfers - Regulation E (12 CFR 1005) |
|
Fair Debt Collection Practices Act |
Fair Debt Collection Practices Act -Regulation F (12 CFR 1006) |
|
S.A.F.E. Mortgage Licensing Act |
S.A.F.E. Mortgage Licensing Act: Federal - Regulation G (12 CFR 1007) S.A.F.E. Mortgage Licensing Act: State - Regulation H (12 CFR 1008) |
|
Disclosure Requirements for Depository Institutions Lacking Federal Deposit Insurance |
Disclosure Requirements for Depository Institutions Lacking Federal Deposit Insurance -Regulation I |
|
HUD Interstate Land Sales Registration Program Land Registration (24 CFR 1710) Purchasers Revocation Rights Sales Practices and Standards (24 CFR 1715) Special Rules of Practices (24 CFR 1720) |
Land Registration - Regulation J (12 CFR 1010) Purchasers Revocation Rights Sales Practices and Standards -Regulation K (12 CFR 1011) Special Rules of Practices - Regulation L (12 CFR 1012) |
| Consumer Leasing - FRB Regulation M (12 CFR 213) |
Consumer Leasing - Regulation M (12 CFR 1013) |
|
Mortgage Acts and Practices--Advertising (16 CFR 321) Mortgage Assistance Relief Services (16 CFR 322) |
Mortgage Acts and Practices -- Advertising -Regulation N (12 CFR 1014) Mortgage Assistance Relief Services - Regulation O |
|
Privacy of Consumer Financial Information - FRB Regulation P (12 CFR 216) |
Privacy of Consumer Financial Information - Regulation P (12 CFR 1016) |
|
Fair Credit Reporting - FRB Regulation V (12 CFR 222) |
Fair Credit Reporting - Regulation V (12 CFR 1022) |
| Real Estate Settlement Procedures Act - HUD Regulation X(24 CFR 3500) |
Real Estate Settlement Procedures Act - Regulation X (12 CFR 1024) |
|
Truth in Lending - FRB Regulation Z (12 CFR 226) |
Truth in Lending - Regulation Z (12 CFR 1026) |
|
Truth in Savings - FRB Regulation DD (12 CFR 230) |
Truth in Savings - Regulation DD (12 CFR 1030) |
Banks should use the Government Printing Office’s (GPO) website, ecfr.gpoaccess.gov, Chapter X rather than the Federal Reserve Board’s website to locate current consumer protection regulations. Following the Fed’s Regulation’s link to access consumer protection regulations (Regulations B, C, E, P, DD, and Z) will lead to an outdated and inaccurate cite on the website, because it links to the GPO’s Chapter II of Title 12 rather than GPO’s correct Chapter X of Title 12, which is the cite of the Bureau’s interim final rules, the most updated version of the regulations.
