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Regulatory Status Chart

• Final Rules Chart 
• 2013 Regulatory Proposals/Final Rules 
• 2012 Regulatory Proposals/Final Rules
• 2011 Regulatory Proposals/Final Rules

Hot Topics

Countdown to Comment Deadlines

• May 25: CFPB Proposes Delay to Credit Insurance Premium Rule
• May 30: FDIC, OCC Propose Guidance on Deposit Advances
• June 3:  CFPB Proposal Clarifies 2013 Reg X and Reg Z Mortgage Rules
• June 24: Lebanese Exchange Houses of "Primary Money Laundering Concern" - Kassem Rmeiti & Co. For Exchange and Halawi Exchange Co.
• How to Write an Effective Comment Letter
•  How to Write a Comment Letter: Small Entity Representatives for SBREFA Process

Major Regulatory Initiatives

• Basel III
• Credit CARD Act 
• Dodd-Frank Act Resources
• Final Rules Chart 
• Mortgage Reform Initiatives
• Municipal Advisors 
• Overdraft Protection   
• Regulatory Burden
• Swaps
• Volcker Rule

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Government Statements of Interest

• OCC's Walsh Discusses Efforts to Correct Foreclosure Practices (3/26/12)
• Bair Questions Homeowner Tax Breaks (6/7/10)
• Missouri's Rep. Luetkemeyer: Reform Hurts Main Street Banks (5/25/10)
• Geithner Says Military Needs Passage of Financial Reform Bill (3/25/10)
•  Geithner: Reform Bill Must Provide Strong Consumer Protection (3/22/10)
•  Chairman Frank Memo Clarifying CFPA Coverage (1/21/10)
• Bair: Fed's Failure to Regulate Subprime Lending Contributed to Crisis (1/14/10)
• Duke Outlines Four Principles for New Mortgage System (12/11/09)
•  OCC Expresses Concern on CFPA Proposal (8/4/09)
• Testimony of Fed Governor Tarullo on Regulatory Restructuring (7/23/09)
• Duke Defends Fed's Consumer Protection Role (7/17/09)
• Reps. Maloney, Frank, Gutierrez ask Fed to Curb Bank Overdraft Abuses (5/28/09)
• Chairman Bernanke's Remarks on Financial System Reform (3/10/09)
• President Obama's Remarks After Regulatory Reform Meeting (2/25/09)
• Fed's New Web Resource on Credit and Liquidity Programs and the Balance Sheet (2/23/09)
• White House Directs Delay in Publishing New Regulations (1/20/09)

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Significant Legislative Developments

• Overdraft Restriction Bill Introduced (March 2013)
• ABA-supported Financial Institutions Examination Fairness and Reform Act (H.R. 3461) (1/18/12)
  • ABA urges all bankers to contact their House Members TODAY and ask them to support H.R. 3461
• H.R. 4173 Wall Street Reform and Consumer Protection Act of 2009 (1/15/10)
• Background and Other Materials on the Consumer Financial Protection Agency Proposal 
• CRA Modernization Act of 2009 
• Maloney Introduces Overdraft Protection Bill (10/22/09)

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Noteworthy in the News

• FinReg21 Article: This Economy: Banks aren't shopping for more lenient charter (1/17/10)
• Supreme Court Rules in Favor of Banks in Wachovia V. Watters (4/17/07)

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Issues & Advocacy
Comment and Other Letters

• ABA: Revise Proposed Changes to CRA Q&As (5/17/13)
•  Groups Ask CFPB for Mortgage Rule Clarifications, Extensions (4/10/13)
• ABA Letter to OCC on Notice and Request for Comment re: BSA/Money Laundering Risk Assessment (4/8/13)
• ABA Comment to NACHA Compliance and Operational Topics (4/5/13)
• ABA Comment on FEMA's decision to rescind the Mandatory Purchase of Flood Insurance Guidelines (3/28/13)
• ABA Comments to FFIEC Guidance on the Use of Social Media (3/25/13)
•  Joint Comment on CFPB's Request for Information on Campus Financial Products (3/18/13)
•  ABA Comments on QM and Ability to Repay Standards (2/25/13)
•  ABA Comments on Points and Fees under the Ability to Repay Rule (2/25/13)
• ABA Comment on Request for Information on Credit CARD Act's Impact (2/19/13)
•  Joint Comment on CFPB Proposal on Trial Disclosures (2/15/13)
•  Joint Comment Letter on Proposed Revisions to Remittance Rules (1/30/13)
• ABA Comment on Proposal to Amend the Definitions of Transmittal of Funds and Funds Transfer (1/24/13)
•  ABA Supports Proposed Delay of Effective Date of Remittance Rules (1/15/13)
• ABA Comment on CFPB Proposal to amend “ability to repay” requirement for credit card applications (1/7/13)
• ABA, CBA Urge CFPB to Withdraw Request on “Generic” Clearance for Collection of Information on Compliance Costs (11/9/12)
•  ABA Comment on Proposed Rule to Amend Disclosures under RESPA and TILA (11/6/12)
• ABA Comment Letter to CFPB on Whether Maine, Tenn. Gift Card Laws Should be Preempted (10/22/12)
•  ABA Comment on Remittance Transfer Rules (10/17/12)
•  Comment on Proposal re: Loan Originator Compensation and “No-Point, No-Fee” Mortgage Option (10/16/12)
•  ABA Comments to CFPB on ECOA Amendments Concerning Appraisals (10/15/12)
•  ABA Comments on Appraisals for Higher Risk Mortgage Loans (10/15/12)
•   ABA Expresses Concerns About CFPB’s Mortgage Servicing Proposal - TILA (10/9/12)
•  ABIA Comments on CFPB’s Mortgage Servicing Proposal - RESPA (10/9/12)
• ABA, Trade Groups Reiterate QM Requirements (9/14/12)
•  ABA Urges CFPB to Drop APR Proposal (9/10/12)
•  ABA Expresses Concern About CFPB’s HOEPA Proposal (9/07/12)
• ABA, Trade Groups Oppose Eminent Domain Proposals (9/07/12)
• Archived Public Comments   

Testimony

• ABA: It's Time to Move from Good Intentions to Tangible Results for Community Banks (4/16/13)
• Statement for the Record: SBREFA process as implemented by the CFPB for the proposed RESPA-TILA rule (8/1/12)
• Statement for the Record: Impact of Dodd-Frank Act's home mortgage reforms (7/11/12)
• Testimony regarding Mortgage Disclosure Reform (6/20/12)
• ABA Testifies on Impact of Regulatory Compliance Costs on Community Banks (5/9/12)
• ABA Testifies on H.R. 3461, Exam Relief Bill (2/1/12)
•  ABA Testifies on the Consumer Financial Protection Bureau (CFPB) (7/19/11)
•  ABA Testifies on the Consumer Financial Protection Bureau (CFPB) (4/6/11)
•  ABA Testifies on Impact of Dodd-Frank Act on Community Banks (3/2/11)
•  ABA Testifies on Proposed Rules regarding Interchange Fees (2/17/11)
•  ABA Banker Describes Community Banks' Regulatory Pressures (1/26/11)
• Statement for the Record: TARP has been Mischaracterized, ABA says (1/26/11)
• ABA Testifies on Ending Too-Big-To-Fail/Systemic Risk (10/29/09)
•  ABA: CFPA Proposal Unnecessarily Imposes New Burdens on Banks (9/30/09)
• ABA Banker Testifies on Regulatory Restructuring and Small Business Lending (9/23/09)
• ABA Testifies on Proposals for Financial Regulatory Reform (7/15/09)
• ABA Testifies on Proposal for a Consumer Financial Protection Agency (7/14/09)
• ABA: Consumer Agency Not a Solution to Economic Problems (6/24/09)
• ABA Testimony Regarding Mortgage Reform (4/23/09)
• ABA Testifies on Regulatory Restructuring (3/24/09)
• Overdraft Protection Bill Would Have Unintended Consequences (3/19/09)
• ABA Testimony on Restructuring Financial Services (3/17/09)
• ABA Testimony Regarding Modernizing Consumer Protection (2/12/09)
• Archived Testimony

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ABA Press Statements

• ABA Statement on CFPB's Mortgage Servicing Rule (1/17/13)
• ABA Statement on CFPB's Qualified Mortgage Rule (1/10/13)
• ABA Urged End to Disparate Impact in Fair Lending Cases (7/19/12)
•  ABA Comments on CFPB's Mortgage Disclosure Proposal (7/10/12)
•  ABA Statement on CFPB Credit Card Complaint Database (6/19/12)
• ABA Statement On Card Act's "Ability To Repay" Requirement (6/6/12)
• ABA Testifies on Impact of Regulatory Compliance Costs on Community Banks (5/9/12)
•  ABA: Safe Harbor Essential for CFPB's Qualified Mortgage Rule (4/27/12)
•  ABA Response to CFPB Overdraft Study (2/22/12)
• ABA President and CEO Frank Keating on Cordray Appointment as CFPB Head (1/4/12)
• ABA Response to Retailer Lawsuit against Federal Reserve (11/22/11)
• ABA Warns Consumers of Phishing Scams (10/26/11)
• Banking on a New Generation of Good Credit Habits (10/18/11)
• ABA Launches National Bank Crime Database (9/22/11)
• ABA Survey: Most Bank Customers Pay Nothing For Bank Services (9/1/11)
• ABA Statement on Fed Interchange Rule (6/29/11)
• ABA Urges Fed to Revise Rule on Debit Card Interchange (6/20/11)
• ABA Tells Obama Regulatory Burden Impedes Economic Growth (1/19/11)
• ABA News Releases

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Surveys and Studies
ABA Compliance Weekly Survey Question Archive   | ABA's Regulatory Burden Evaluation Tool 

• Consumers Report Increased Use of Mobile Banking (3/27/13)
• ABA GR Team Analyzes Election’s Likely Impact on Banking (11/8/12)
• FDIC Releases Results of 2011 Survey of Unbanked and Underbanked (9/12/12)
• ABA White Paper on Bank Supervision and Examination (April 2012)
• FDIC Model Safe Accounts Pilot: Final Report (4/26/12)
• Fed Boston on Credit Scores and Payment Behavior (February 2012)
• 2011 Compliance Officers Survey  (December 2011)
• GMU Working Paper: The Economics and Regulation of Bank Overdraft Protection (October 2011)
• FRB: Designing Disclosures — Lessons Learned from Consumer Testing (August 2011)
•  Fed Issues Report on Remittance Transfers (7/19/11) 
•  CFPB Report Details Credit Report Differences (7/19/11)
• The Post-Foreclosure Experience of U.S. Households (May 2011)
• GAO Report on Elder Abuse (3/2/11)
• GAO Study Suggests Federal Employees Limited Use of Payday Lending (1/28/11)
• GAO Report: Nonprime Loans Caused Surge in Mortgage Foreclosures (August 2010)
• Fed: Applying Card Act Restrictions to Small-Biz Cards Could Increase Costs, Cut Credit (6/2/10)
• Poll Finds Financial Overhaul Draws More Concern Than Confidence (4/8/10)
• 2009 Compliance Officers Survey 
• 2009 ABA Deposit Account Fraud Survey Report
• FDIC Releases National Survey on Unbanked and Underbanked (12/2/09)
• GAO study: Lowering Interchange Fees Ultimately Could Harm Consumers (11/19/09)
• Fed Working Paper Discusses Loan Modifications to Address Mortgage Crisis (10/28/09)
• GAO Report Says Fair Debt Collection Practices Act (FDCPA) Should be Modified (10/21/09)
• Survey: Banks Used CPP Funds to Increase Lending (7/21/09)
• CFSI Studies Comparison of Monthly Financial Services Spending (6/3/09)
• Boston Fed: Loan Modifications May Not Stem Foreclosures (4/14/09)
• FDIC Releases Survey Results of Unbanked and Underbanked (2/5/09)
• Credit Card Issuers Survey, Spring 2008
• 2007 Compliance Survey Results Show Compliance Officers Do Multiple Tasks  
• GAO Report Shows Interchange-Rate Price Controls Can Hurt Consumers (5/15/08)
• Freddie Mac: ARMs Losing Their Appeal (1/15/08)
• CRA Helped Mitigate Foreclosures, Study Says (1/7/08)
• Fed Credit Score Predictability Study (8/07)
• CRS Report Examines Data Breach Rules (8/29/07)
• GAO Study Finds Data Breaches Frequent But Link to ID Theft Limited (7/5/07)
• FinCEN Report Says Cross-Border Wire Reporting Feasible (1/18/07)  
• FTC and FRB: Report on FCRA Dispute Resolution Process (8/06)
• OCC Studies Selectivity Bias in Certain Credit Score Models (12/27/04)

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