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6500 - Consumer Financial Protection Bureau
CONSUMER FINANCIAL PROTECTION BUREAU
______________
TABLE OF CONTENTS
CONSUMER FINANCIAL PROTECTION BUREAU
Equal Opportunity Act (Regulation B)
SEC. 1002.1 Authority, scope and purpose
SEC. 1002.2 Definitions
SEC. 1002.3 Limited exceptions for certain classes of transactions
SEC. 1002.4 General rules
SEC. 1002.5 Rules concerning requests for information
SEC. 1002.6 Rules concerning evaluation of applications
SEC. 1002.7 Rules concerning extensions of credit
SEC. 1002.8 Special purpose credit programs
SEC. 1002.9 Notifications
SEC. 1002.10 Furnishing of credit information
SEC. 1002.11 Relation to state law
SEC. 1002.12 Record retention
SEC. 1002.13 Information for monitoring purposes
SEC. 1002.14 Rules on providing appraisals and other valuations
SEC. 1002.15 Incentives for self-testing and self-correction
SEC. 1002.16 Enforcement, penalties and liabilities
Appendix A—Federal Agencies To Be Listed in Adverse Action Notices
Appendix B—Model Application Forms
Appendix C—Sample Notification Forms
Appendix D—Issuance of Official Interpretations
Supplement I—Official Interpretations
1003 Home Mortgage Disclosure (Regulation C)
SEC. 1003.1
Authority, purpose, and scope
SEC. 1003.2
Definitions
SEC. 1003.3
Exempt institutions
SEC. 1003.4
Compilation of loan data
SEC. 1003.5
Disclosure and reporting
SEC. 1003.6
Enforcement
Appendix A—Form
and Instructions for Completion of HMDA Loan/Application Register
Appendix B—Form
and Instructions for Data Collection on Ethnicity, Race, and Sex
Supplement
I—Staff Commentary
Electronic Fund Transfers (Regulation E)
Subpart A—General
SEC. 1005.1
Authority and purpose
SEC. 1005.2
Definitions
SEC. 1005.3
Coverage
SEC. 1005.4
General disclosure requirements; jointly offered services
SEC. 1005.5
Issuance of access devices
SEC. 1005.6
Liability of consumer for unauthorized transfers
SEC. 1005.7
Initial disclosures
SEC. 1005.8
Change in terms notice; error resolution notice
SEC. 1005.9
Receipts at electronic terminals; periodic statements
SEC. 1005.10
Preauthorized transfers
SEC. 1005.11
Procedures for resolving errors
SEC. 1005.12
Relation to other laws
SEC. 1005.13
Administrative enforcement; record retention
SEC. 1005.14
Electronic fund transfer service provider not holding consumer's
account
SEC. 1005.15
Electronic fund transfer of government benefits
SEC. 1005.16
Disclosures at automated teller machines
SEC. 1005.17
Requirements for overdraft services
SEC. 1005.18
Requirements for financial institutions offering payroll card
accounts
SEC. 1005.19
Internet posting of prepaid account agreements
SEC. 1005.20
Requirements for gift cards and gift certificates
Subpart B—Requirements for Remittance Transfers
SEC. 1005.30
Remittance transfer definitions
SEC. 1005.31
Disclosures
SEC. 1005.32
Estimates
SEC. 1005.33
Procedures for resolving errors
SEC. 1005.34
Procedures for cancellation and refund of remittance transfers
SEC. 1005.35
Acts of agents
SEC. 1005.36
Transfers scheduled in advance
Appendix A—Model
Disclosure Clauses and Forms
Appendix B [Reserved]
Appendix
C—Issuance of Official Interpretations
Supplement I to
Part 1005—Official Interpretations
Fair Debt Collection Practices Act (Regulation F)
SEC. 1006.1
Purpose and definitions
SEC. 1006.2
Application
SEC. 1006.3
Supporting documents
SEC. 1006.4
Criteria for determination
SEC. 1006.5
Public notice of filing
SEC. 1006.6
Exemption from requirements
SEC. 1006.7
Adverse determination
SEC. 1006.8
Revocation of exemption
S.A.F.E. Mortgage Licensing Act—State Compliance and Bureau Registration System (Regulation H)
Subpart A—General
Subpart B-Determination of State Compliance With the S.A.F.E. Act
SEC. 1008.101
Scope of this subpart
SEC. 1008.103
Individuals required to be licensed by states
SEC. 1008.105
Minimum loan originator license requirements
SEC. 1008.107
Minimum annual license renewal requirements
SEC. 1008.109
Effective date of state requirements imposed on individuals
SEC. 1008.111
Other minimum requirements for state licensing systems
SEC. 1008.113
Performance standards
SEC. 1008.115
Determination of noncompliance
Subpart C—The Bureau's Loan Originator Licensing System and Nationwide Mortgage Licensing and Registry System
SEC. 1008.201
Scope of this subpart
SEC. 1008.203
The Bureau's establishment of loan originator licensing system
SEC. 1008.205
The Bureau's establishment of nationwide mortgage licensing system and
registry
Subpart D—Minimum Requirements for Administration of the NMLSR
SEC. 1008.301
Scope of this subpart
SEC. 1008.303
Financial reporting
SEC. 1008.305
Data security
SEC. 1008.307
Fees
SEC. 1008.309
Absence of liability for good-faith administration
SEC. 1008.401
The Bureau's authority to examine loan originator records
Appendix
A—Examples of Mortgage Loan Originator Activities
Appendix
B—Engaging in the Business of a Loan Originator: Commercial Context
and Habitualness
Appendix
C—Independent Contractors and Loan Processor and Underwriter
Activities That Require a State Mortgage Loan Originator License
Appendix
D—Attorneys: Circumstances That Require a State Mortgage Loan
Originator License
Consumer Leasing (Regulation M)
SEC. 1013.1
Authority, scope, purpose, and enforcement
SEC. 1013.2
Definitions
SEC. 1013.3
General disclosure requirements
SEC. 1013.4
Content of disclosures
SEC. 1013.5
Renegotiations, extensions, and assumptions
SEC. 1013.6
[Reserved]
SEC. 1013.7
Advertising
SEC. 1013.8
Record retention
SEC. 1013.9
Relation to state laws
Appendix A—Model
Forms
Appendix B
[Reserved]
Appendix
C—Issuance of Official Interpretations
Supplement
I—Official Interpretations
1016 Privacy of Consumer Financial Information (Regulation P)
Subpart A—Privacy and Opt Out Notices
SEC. 1016.4
Initial privacy notice to consumers required
SEC. 1016.5
Annual privacy notice to customers required
SEC. 1016.6
Information to be included in privacy notices
SEC. 1016.7
Form of opt out notice to consumers; opt out methods
SEC. 1016.8
Revised privacy notices
SEC. 1016.9
Delivering privacy and opt out notices
Subpart B—Limits on Disclosures
SEC. 1016.10
Limits on disclosure of nonpublic personal information to nonaffiliated
third parties
SEC. 1016.11
Limits on redisclosure and reuse of information
SEC. 1016.12
Limits on sharing account number information for marketing
purposes
Subpart C—Exceptions
SEC. 1016.13
Exception to opt out requirements for service providers and joint
marketing
SEC. 1016.14
Exceptions to notice and opt out requirements for processing and
servicing transactions
SEC. 1016.15
Other exceptions to notice and opt out requirements
Subpart D—Relation to Other Laws
SEC. 1016.16
Protection of Fair Credit Reporting Act
SEC. 1016.17
Relation to state laws
Appendix—Model
Privacy Form
Fair Credit Reporting (Regulation V)
Subpart A—General Provisions
SEC. 1022.1
Purpose, scope, and model forms and disclosures
SEC. 1022.2
Examples
SEC. 1022.3
Definitions
Subpart B [Reserved]
Subpart C—Affiliate Marketing
SEC. 1022.20
Coverage and definitions
SEC. 1022.21
Affiliate marketing opt-out and exceptions
SEC. 1022.22
Scope and duration of opt-out
SEC. 1022.23
Contents of opt-out notice; consolidated and equivalent notices
SEC. 1022.24
Reasonable opportunity to opt out
SEC. 1022.25
Reasonable and simple methods of opting out
SEC. 1022.26
Delivery of opt-out notices
SEC. 1022.27
Renewal of opt-out
Subpart D—Medical Information
SEC. 1022.30
Obtaining or using medical information in connection with a
determination of eligibility for credit
SEC. 1022.31
Limits on redisclosure of information
SEC. 1022.32
Sharing medical information with affiliates
Subpart E—Duties of Furnishers of Information
SEC. 1022.40
Scope
SEC. 1022.41
Definitions
SEC. 1022.42
Reasonable policies and procedures concerning the accuracy and
integrity of furnished Information
SEC. 1022.43
Direct disputes
Subpart F—Duties of Users Regarding Obtaining and Using Consumer Reports
SEC. 1022.50--1022.53
[Reserved]
SEC. 1022.54
Duties of users making written firm offers of credit or insurance based
on information contained in consumer files
SEC. 1022.55--1022.59
[Reserved]
Subpart G [Reserved]
Subpart H—Duties of Users Regarding Risk-Based Pricing
SEC. 1022.70
Scope
SEC. 1022.71
Definitions
SEC. 1022.72
General requirements for risk-based pricing notices
SEC. 1022.73
Content, form, and timing of risk-based pricing notices
SEC. 1022.74
Exceptions
SEC. 1022.75
Rules of construction
Subpart I—Duties of Users of Consumer Reports Regarding Identity Theft
Subparts J—L [Reserved]
Subpart M—Duties of Consumer Reporting Agencies Regarding Identity Theft
SEC. 1022.120
[Reserved]
SEC. 1022.121
Active duty alerts
SEC. 1022.122
[Reserved]
SEC. 1022.123
Appropriate proof of identity
SEC. 1022.124--1022.129
[Reserved]
Subpart N—Duties of Consumer Reporting Agencies Regarding Disclosures to Consumers
SEC. 1022.130
Definitions
SEC. 1022.131--1022.135
[Reserved]
SEC. 1022.136
Centralized source for requesting annual file disclosures from
nationwide consumer reporting agencies
SEC. 1022.137
Streamlined process for requesting annual file disclosures from
nationwide specialty consumer reporting agencies
SEC. 1022.138
Prevention of deceptive marketing of free credit reports
SEC. 1022.139
[Reserved]
Subpart O—Miscellaneous Duties of Consumer Reporting Agencies
SEC. 1022.140
Prohibition against circumventing or evading treatment as a consumer
reporting agency
Appendix A
[Reserved]
Appendix B—Model
Notices of Furnishing Negative Information
Appendix C—Model
Forms for Opt-Out Notices
Appendix D—Model
Forms for Firm Offers of Credit or Insurance
Appendix
E—Interagency Guidelines Concerning the Accuracy and Integrity of
Information Furnished to Consumer Reporting Agencies
Appendices F-G
[Reserved]
Appendix
H—Appendix H—Model Forms for Risk-Based Pricing and Credit Score
Disclosure Exception Notices
Appendix
I—Summary of Consumer Identity Theft Rights
Appendix J
[Reserved]
Appendix
K—Summary of Consumer Rights
Appendix
L—Standardized Form for Requesting Annual File Disclosures
Appendix M—Notice
of Furnisher Responsibilities
Appendix N—Notice
of User Responsibilities
REAL ESTATE SETTLEMENT PROCEDURES ACT (REGULATION X)
SEC. 1024.1
Designation
SEC. 1024.2
Definitions
SEC. 1024.3
Questions or suggestions from public and copies of public guidance
documents
SEC. 1024.4
Reliance upon rule, regulation or interpretation by the Bureau
SEC. 1024.5
Coverage of RESPA
SEC. 1024.6
Special information booklet at time of loan application
SEC. 1024.7
Good faith estimate
SEC. 1024.8
Use of HUD-1 or HUD-1A settlement statements
SEC. 1024.9
Reproduction of settlement statements
SEC. 1024.10
One-day advance inspection of HUD-1 or HUD-1A settlement statement;
delivery; recordkeeping
SEC. 1024.11
Mailing
SEC. 1024.12
No fee
SEC. 1024.13
[Reserved]
SEC. 1024.14
Prohibition against kickbacks and unearned fees
SEC. 1024.15
Affiliated business arrangements
SEC. 1024.16
Title companies
SEC. 1024.17
Escrow accounts
SEC. 1024.18
[Reserved]
SEC. 1024.19
[Reserved]
SEC. 1024.20
List of ownership counseling organizations
SEC. 1024.30
Scope
SEC. 1024.31
Definitions
SEC. 1024.32
General disclosure requirements
SEC. 1024.33
Mortgage servicing transfers
SEC. 1024.34
Timely escrow payments and treatment of escrow account balances
SEC 1024.35
Error resolution procedures
SEC. 1024.36
Requests for Information
SEC. 1024.37
Force-placed insurance
SEC 1024.38
General servicing policies, procedures, and requirements
SEC. 1024.39
Early intervention requirements for certain borrowers
SEC. 1024.40
Continuity of contact
SEC. 1024.41
Loss mitigation procedures
Appendix
A—Instructions for Completing HUD-1 and HUD-1a Settlement Statements;
Sample HUD-1 and HUD-1a Statements
Appendix
B—Illustrations of Requirements of RESPA
Appendix
C—Instructions for Completing Good Faith Estimate (GFE) Form
Appendix
D—Affiliated Business Arrangement Disclosure Statement Format
Notice
Appendix
E—Arithmetic Steps
Appendix
MS-1
Appendix
MS-2
Appendix
MS-3
Appendix
MS-4
Supplement
I
1026 Truth in Lending (Regulation Z)
Subpart A—General
SEC. 1026.1
Authority, purpose, coverage, organization, enforcement, and
liability
SEC. 1026.2
Definitions and rules of construction
SEC. 1026.3
Exempt transactions
SEC. 1026.4
Finance charge
Subpart B—Open-End Credit
SEC. 1026.5
General disclosure requirements
SEC. 1026.6
Account-opening disclosures
SEC. 1026.7
Periodic statement
SEC. 1026.8
Identifying transactions on periodic statements
SEC. 1026.9
Subsequent disclosure requirements
SEC. 1026.10
Payments
SEC. 1026.11
Treatment of credit balances; account termination
SEC. 1026.12
Special credit card provisions
SEC. 1026.13
Billing error resolution
SEC. 1026.14
Determination of annual percentage rate
SEC. 1026.15
Right of rescission
SEC. 1026.16
Advertising
Subpart C—Closed-End Credit
SEC. 1026.17
General disclosure requirements
SEC. 1026.18
Content of disclosures
SEC. 1026.19
Certain mortgage and variable-rate transactions
SEC. 1026.20
Disclosure requirements regarding post-consummation events
SEC. 1026.21
Treatment of credit balances
SEC. 1026.22
Determination of annual percentage rate
SEC. 1026.23
Right of rescission
SEC. 1026.24
Advertising
Subpart D—Miscellaneous
SEC. 1026.25
Record retention
SEC. 1026.26
Use of annual percentage rate in oral disclosures
SEC. 1026.27
Language of disclosures
SEC. 1026.28
Effect on state laws
SEC. 1026.29
State exemptions
SEC. 1026.30
Limitation on rates
Subpart E—Special Rules for Certain Home Mortgage Transactions
SEC. 1026.31
General rules
SEC. 1026.32
Requirements for certain high cost mortgages
SEC. 1026.33
Requirements for reverse mortgages
SEC. 1026.34
Prohibited acts or practices in connection with high-cost
Mortgages
SEC. 1026.35
Prohibited acts or practices in connection with higher-priced mortgage
loans
SEC. 1026.36
Prohibited acts or practices and certain requirements for credit
secured by a dwelling
SEC. 1026.37
Content of disclosures for certain mortgage transactions (Loan
Estimates)
SEC. 1026.38
Content of disclosures for certain mortgage transaction (Closing
Disclosure)
SEC. 1026.39
Mortgage transfer disclosures
SEC. 1026.40
Requirements for home equity plans
SEC. 1026.41
Periodic statements for residential mortgage loans
SEC. 1026.42
Valuation independence
SEC. 1026.43
Minimum standards for transactions secured by a dwelling
SEC. 1026.44--1026.45
[Reserved]
Subpart F—Special Rules for Private Education Loans
SEC. 1026.46
Special disclosure requirements for private education loans
SEC. 1026.47
Content of disclosures
SEC. 1026.48
Limitations on private education loans
Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students
SEC. 1026.51
Ability to Pay
SEC. 1026.52
Limitations on fees
SEC. 1026.53
Allocation of payments
SEC. 1026.54
Limitations on the imposition of finance charges
SEC. 1026.55
Limitations on increasing annual percentage rates, fees, and
charges
SEC. 1026.56
Requirements for over-the-limit transactions
SEC. 1026.57
Reporting and marketing rules for college student open-end credit
SEC. 1026.58
Internet posting of credit card agreements
SEC. 1026.59
Reevaluation of rate increases
SEC. 1026.60
Credit and charge card applications and solicitations
SEC. 1026.61
Hybrid prepaid credit cards
Appendix A—Effect
on State Laws
Appendix B—State
Exemptions
Appendix
C—Issuance of Official Interpretations
Appendix
D—Multiple Advance Construction Loans
Appendix E—Rules
for Card Issuers That Bill on a Transaction-byTransaction
Basis
Appendix
F—Optional Annual Percentage Rate Computations for Creditors Offering
Open-End Credit Plans Secured by a Consumer's Dwelling
Appendix
G—Open-End Model Forms and Clauses
Appendix
H—Closed-End Model Forms and Clauses
Appendix
I[Reserved]
Appendix J—Annual
Percentage Rate Computations for Closed-End Credit Transactions
Appendix K—Total
Annual Loan Cost Rate Computations for Reverse Mortgage
Transactions
Appendix
L—Assumed Loan Periods for Computations of Total Annual Loan Cost
Rates
Appendix
M1—Repayment Disclosures
Appendix
M2—Sample Calculations of Repayment Disclosures
Appendix
N—Higher-Priced Mortgage Loan Appraisal Safe Harbor Review
Appendix
O—Illustrative Written Source Documents for Higher-Priced Mortgage
Loan Appraisal Rules
Appendix P
[Reserved]
Appendix
Q—Standards for Determining Monthly Debt and Income
Supplement
I—Official Interpretations
1030 Truth in Savings (Regulation DD)
SEC. 1030.1
Authority, purpose, coverage, and effect on state laws
SEC. 1030.2
Definitions
SEC. 1030.3
General disclosure requirements
SEC. 1030.4
Account disclosures
SEC. 1030.5
Subsequent disclosures
SEC. 1030.6
Periodic statement disclosures
SEC. 1030.7
Payment of interest
SEC. 1030.8
Advertising
SEC. 1030.9
Enforcement and record retention
SEC. 1030.10
[Reserved]
SEC. 1030.11
Additional disclosure requirements for overdraft services
Appendix A—Annual
Percentage Yield Calculation
Appendix B—Model
Clauses and Sample Forms
Appendix C—Effect
on State Laws
Appendix
D—Issuance of Official Interpretations
Supplement
I—Official Interpretations