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Home » Topics » Inside the CFPB » Regulation

Regulation
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CFPB Finalizes Advisory Policy, Issues Two Opinions

December 7, 2020
Yemeng Yang
Under the finalized policy, the CFPB issued two advisory opinions or “interpretive rules” regarding earned wage access programs and certain education loan products.
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GAO Urges CFPB to Update Model Form for Disclosures

December 7, 2020
Yemeng Yang
The CFPB said it will consider the Government Accountability Office’s recommendation, but rulemaking will involve joint efforts with other regulators. Meanwhile, institutions can themselves revise the model form on a trial basis.
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Industry Wants More Flexibility Under Fair Lending Rule

December 7, 2020
Yemeng Yang
Consumer advocacy groups, on the other hand, have urged the bureau to restore Obama-era interpretations and provide more consumer protection.
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CFPB Enhances Website to Include Enforcement Data

December 7, 2020
Yemeng Yang
The CFPB’s website now includes an interactive enforcement database, plus an option to request rulemaking and archived reports and press releases.
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Other News in Brief

December 7, 2020
Yemeng Yang
Rep. Maxine Waters urges CFPB leadership not to finalize any “midnight” regulations; Upstart receives no-action letter; CFPB brings lawsuits against online lender LendUp Loans and debt-relief service provider DMB.
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Biden’s CFPB to Focus on QM Rule, Servicer Compliance

November 23, 2020
Yemeng Yang
Much of the conversation over the past few weeks following the election of Joe Biden to the White House has focused on the bureau’s mortgage-related actions.
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The LO Compensation Rule: A Hotbed for Litigation?

November 23, 2020
Yemeng Yang
Mortgage attorneys are warning lenders that the loan originator compensation rule is fast becoming a hotbed for CFPB enforcement actions.
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Trade Groups Seek Changes to Escrow Statement Rules

November 23, 2020
Yemeng Yang
Mortgage trade groups are asking the CFPB to expressly permit servicers, in the case of escrow shortage, to include a lump-sum repayment option in account statements.
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Appraisal Exemption Threshold for HPMLs Unchanged

November 23, 2020
Yemeng Yang
For 2021, the appraisal exemption threshold for higher-priced mortgages remains unchanged at $27,200, according to a joint announcement by the CFPB, the Federal Reserve Board and the OCC.
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Biden Wins. Who Will be the Next CFPB Director?

November 9, 2020
Yemeng Yang
Names of possible successors to Kathy Kraninger include two from Sen. Elizabeth Warren’s inner circle: Rep. Katie Porter and FTC Commissioner Rohit Chopra.
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