3170-AA06 201410 The Regulatory Plan and the Unified Agenda of Federal Regulatory and Deregulatory Actions 3170 Consumer Financial Protection Bureau CFPB Restatement of Federal Consumer Financial Law Regulations

Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd- Frank Act) transferred rulemaking authority for 14 consumer financial protection laws from 7 transferor agencies to the CFPB as of July 21, 2011. Pursuant to that authority, the CFPB has recodified existing regulations implementing certain portions of the Fair Credit Reporting Act, certain portions of the Gramm-Leach-Bliley Act, the Secure and Fair Enforcement for Mortgage Licensing Act, the Equal Credit Opportunity Act, the Fair Debt Collection Practices Act, the Truth in Savings Act, the Interstate Land Sales and Full Disclosure Act, the Consumer Leasing Act, certain portions of the Electronic Fund Transfer Act, subsections 43(b)-(f) of the Federal Deposit Insurance Act, the Home Mortgage Disclosure Act, the Real Estate Settlement Procedures Act, the Truth in Lending Act, and section 626 of the Omnibus Appropriations Act of 2009. The recodified regulations, which were issued as a series of interim final rules in chapter X of title 12 of the CFR, made no substantive changes to the regulations of the agencies from which the rulemaking authority transferred, but made nomenclature, technical, and other conforming changes required by the Dodd-Frank Act and consolidated multiple versions of the regulations under those statutes where rulewriting authority previously had been split across multiple agencies. Changes included, for example, revisions to references to the transferor agency, internal cross-references, addresses for filing applications and notices, and references to the scope of the CFPB's authority as amended by the Dodd-Frank Act. The CFPB has found no cause to make any significant changes to the recodified regulations based on the comments received on the interim final rules, and therefore has not prioritized issuing final rules. OMB has determined that the CFPB's re- codification as Regulation V, 12 CFR 1022, of certain pre-existing regulations implementing portions of the Fair Credit Reporting Act should be classified as a major rulemaking under the Congressional Review Act. Thus, the priority of the CFPB's restatement of Regulation V is ”Other Significant.

]]> Substantive, Nonsignificant Previously Published in The Unified Agenda Final Rule Stage Undetermined No 12 CFR 1002 12 CFR 1003 12 CFR 1005 to 1016 12 CFR 1022 12 CFR 1024 12 CFR 1026 12 CFR 1030 12 USC 5581 No Interim Final Rule (Fair Debt Collection Practices Act - Regulation F) with Request for Comment 12/16/2011 76 FR 78121 Interim Final Rule Comment Period End (Regulation F) 02/14/2012 CFPB Expects Further Action To Be Determined (Regulation F) 10/00/2015 Interim Final Rule (Regulation I) with Request for Public Comment 12/16/2011 76 FR 78126 Interim Final Rule Comment Period End (Regulation I) 02/14/2012 CFPB Expects Further Action To Be Determined (Regulation I) 10/00/2015 Interim Final Rule (Regulation N, Regulation O) with Request for Public Comment 12/16/2011 76 FR 78130 Interim Final Rule Comment Period End (Regulation N, Regulation O) 02/14/2012 CFPB Expects Further Action To Be Determined (Regulation N, Regulation O) 10/00/2015 Interim Final Rule (Regulation G, Regulation H) with Request for Public Comment 12/19/2011 76 FR 78483 Interim Final Rule Comment Period End (Regulation G, Regulation H) 02/17/2012 CFPB Expects Further Action To Be Determined (Regulation G, Regulation H) 10/00/2015 Interim Final Rule (Regulation M) with Request for Public Comment 12/19/2011 76 FR 78500 Interim Final Rule Comment Period End (Regulation M) 02/17/2012 CFPB Expects Further Action To Be Determined (Regulation M) 10/00/2015 Interim Final Rule (Regulation C) with Request for Public Comment 12/19/2011 76 FR 78465 Interim Final Rule Comment Period End (Regulation C) 02/17/2012 CFPB Expects Further Action To Be Determined (Regulation C) 10/00/2015 Interim Final Rule (Regulation X) with Request for Public Comment 12/20/2011 76 FR 78978 Interim Final Rule Comment Period End (Regulation X) 02/21/2012 CFPB Expects Further Action To Be Determined (Regulation X) 10/00/2015 Interim Final Rule (Regulation B) with Request for Public Comment 12/21/2011 76 FR 79442 Interim Final Rule Comment Period End (Regulation B) 02/21/2012 CFPB Expects Further Action To Be Determined (Regulation B) 10/00/2015 Interim Final Rule (Regulation V) with Request for Public Comment 12/21/2011 76 FR 70308 Interim Final Rule Comment Period End (Regulation V) 02/21/2012 CFPB Expects Further Action To Be Determined (Regulation V) 10/00/2015 Interim Final Rule (Regulation DD) with Request for Public Comment 12/21/2011 76 FR 79276 Interim Final Rule Comment Period End (Regulation DD) 02/21/2012 CFPB Expects Further Action To Be Determined (Regulation DD) 10/00/2015 Interim Final Rule (Regulations J, K, & L) with Request for Public Comment 12/21/2011 76 FR 79486 Interim Final Rule Comment Period End (Regulations J, K, & L) 02/21/2012 CFPB Expects Further Action To Be Determined (Regulations J, K, and L) 10/00/2015 Interim Final Rule (Regulation P) with Request for Public Comment 12/21/2011 76 FR 79025 Interim Final Rule Comment Period End (Regulation P) 02/21/2012 CFPB Expects Further Action To Be Determined (Regulation P) 10/00/2015 Interim Final Rule (Regulation Z) with Request for Public Comment 12/22/2011 76 FR 79768 Interim Final Rule Comment Period End (Regulation Z) 02/21/2012 CFPB Expects Further Action To Be Determined (Regulation Z) 10/00/2015 Interim Final Rule (Regulation E) with Request for Public Comment 12/27/2011 76 FR 81020 Interim Final Rule Comment Period End (Regulation E) 02/27/2012 CFPB Expects Further Action To Be Determined (Regulation E) 10/00/2015 No None No No No Paul Mondor Office of Regulations 3170 Consumer Financial Protection Bureau CFPB 202 435-7700