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Section 1073 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) contains a temporary exception to its requirements that remittance transfer providers disclose actual amounts for remittance transfers.  The exception permits insured depository institutions and insured credit unions in certain circumstances to estimate certain required disclosures. As mandated by statute, this exception will expire on July 21, 2020.  After completing an assessment in October 2018 of the Remittance Rule and issuing in April 2019 a Request for Information to gather information related to the expiration of the temporary exception and information related to the scope of the Remittance Rule’s coverage, the Bureau issued a Notice of Proposed Rulemaking (NPRM) in December 2019. In the NPRM, the Bureau proposed to increase a safe harbor threshold under which a person is deemed not to be providing remittance transfers in the normal course of business, from 100 per year to 500 per year.  The Bureau also proposed changes to mitigate the effects of the expiration of the statutory temporary exemption, by allowing insured institutions to continue to estimate the exchange rate and covered-third party fees under certain circumstances.  Finally, the Bureau solicited comment on a permanent exception permitting remittance transfer providers to use estimates for transfers to certain countries and the process for adding countries to the safe harbor countries list maintained by the Bureau.  In May 2020, the Bureau expects to take final action on the December 2019 NPRM.