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CFPB RIN: 3170-AB56 Publication ID: 2026 
Title: ●Loan Originator Compensation Requirements Under the Truth in Lending Act (Regulation Z) 
Abstract:

The Consumer Financial Protection Bureau (Bureau’s) 2013 Loan Originator Compensation final rule implemented, clarified, and provided exceptions to requirements and restrictions imposed by the Dodd-Frank Act concerning loan originator compensation. The Bureau is considering whether changes to the regulation could encourage competition in the mortgage origination market. The rule may limit some practices that could result in lower costs and increased market competition. The CFPB is weighing the costs and benefits of the current rule’s limiting effects on price competition. 

 
Agency: Consumer Financial Protection Bureau(CFPB)  Priority: Other Significant 
RIN Status: First time published in the Unified Agenda Agenda Stage of Rulemaking: Long-Term Actions 
Major: Undetermined  Unfunded Mandates: No 
EO 14192 Designation: Other 
CFR Citation: 12 CFR 1026   
Legal Authority: Not Yet Determined   
Legal Deadline:  None
Timetable:
Action Date FR Cite
Long Term Action  To Be Determined 
Regulatory Flexibility Analysis Required: Undetermined  Government Levels Affected: Undetermined 
Federalism: Undetermined 
Included in the Regulatory Plan: No 
RIN Data Printed in the FR: No 
Agency Contact:
Lanique Eubanks
Office of Regulations
Consumer Financial Protection Bureau
1700 G Street, NW,
Washington, DC 20552
Phone:202 435-7700