3170-AB57 202510 The Regulatory Plan and the Unified Agenda of Federal Regulatory and Deregulatory Actions 3170 Consumer Financial Protection Bureau CFPB Contingency Calculations for Determining Average Prime Offer Rate

Regulation Z, which implements the Truth in Lending Act (TILA), and Regulation C, which implements the Home Mortgage Disclosure Act (HMDA), provide for comparison of a mortgage loan’s annual percentage rate (APR) to the average prime offer rate (APOR) for purposes of determining the mortgage loan’s status and for reporting purposes.  APOR tables are updated and published weekly by the Consumer Financial Protection Bureau.  The Bureau is considering authorizing the use of contingency calculations to determine APOR values in instances when the Bureau does not publish weekly APOR tables. 

]]> Other Significant First Time Published in The Unified Agenda Proposed Rule Stage Undetermined No Other 12 CFR 1003 12 CFR 1026 Not Yet Determined No NPRM 07/00/2026 Undetermined Undetermined No No No Jaclyn Maier Office of Regulations 3170 Consumer Financial Protection Bureau CFPB 202 435-7700 1700 G Street NW, Washington DC 20552