[Federal Register Volume 84, Number 247 (Thursday, December 26, 2019)]
[Proposed Rules]
[Pages 71231-71236]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2019-26636]



[[Page 71231]]

Vol. 84

Thursday,

No. 247

December 26, 2019

Part XXIII





Bureau of Consumer Financial Protection





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Semiannual Regulatory Agenda

  Federal Register / Vol. 84 , No. 247 / Thursday, December 26, 2019 / 
UA: Reg Flex Agenda  

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BUREAU OF CONSUMER FINANCIAL PROTECTION

12 CFR CH. X


Semiannual Regulatory Agenda

AGENCY: Bureau of Consumer Financial Protection.

ACTION: Semiannual regulatory agenda.

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SUMMARY: The Bureau of Consumer Financial Protection (Bureau) is 
publishing this agenda as part of the Fall 2019 Unified Agenda of 
Federal Regulatory and Deregulatory Actions. The Bureau reasonably 
anticipates having the regulatory matters identified below under 
consideration during the period from October 1, 2019, to September 30, 
2020. The next agenda will be published in spring 2020 and will update 
this agenda through spring 2021. Publication of this agenda is in 
accordance with the Regulatory Flexibility Act (5 U.S.C. 601 et seq.).

DATES: This information is current as of July 25, 2019.

ADDRESSES:  Bureau of Consumer Financial Protection, 1700 G Street NW, 
Washington, DC 20552.

FOR FURTHER INFORMATION CONTACT: A staff contact is included for each 
regulatory item listed herein. If you require this document in an 
alternative electronic format, please contact 
[email protected].

SUPPLEMENTARY INFORMATION: The Bureau is publishing its Fall 2019 
Agenda as part of the Fall 2019 Unified Agenda of Federal Regulatory 
and Deregulatory Actions, which is coordinated by the Office of 
Management and Budget under Executive Order 12866. The agenda lists the 
regulatory matters that the Bureau reasonably anticipates having under 
consideration during the period from October 1, 2019, to September 30, 
2020, as described further below.\1\ The Bureau's participation in the 
Unified Agenda is voluntary. The complete Unified Agenda is available 
to the public at the following website: http://www.reginfo.gov.
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    \1\ The listing does not include certain routine, frequent, or 
administrative matters. Further, the fields ``Unfunded Mandates,'' 
``E.O. 13771 Designation,'' and ``Federalism Implications'' are not 
required for independent regulatory agencies, including the Bureau, 
and, accordingly, the Bureau has indicated responses of ``no'' or 
``Independent Agency'' for such fields.
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    Pursuant to the Dodd-Frank Wall Street Reform and Consumer 
Protection Act, Public Law 111-203, 124 Stat. 1376 (Dodd-Frank Act), 
the Bureau has rulemaking, supervisory, enforcement, consumer 
education, and other authorities relating to consumer financial 
products and services. These authorities include the authority to issue 
regulations under more than a dozen Federal consumer financial laws, 
which transferred to the Bureau from seven Federal agencies on July 21, 
2011. The Bureau's general purpose, as specified in section 1021(a) of 
the Dodd-Frank Act, is to implement and enforce Federal consumer 
financial law consistently for the purpose of ensuring that all 
consumers have access to markets for consumer financial products and 
services and that markets for consumer financial products and services 
are fair, transparent, and competitive.
    Section 1021 of the Dodd-Frank Act specifies the objectives of the 
Bureau, including ensuring that, with respect to consumer financial 
products and services, consumers are provided with timely and 
understandable information to make responsible decisions about 
financial transactions; consumers are protected from unfair, deceptive, 
or abusive acts and practices and from discrimination; outdated, 
unnecessary, or unduly burdensome regulations are regularly identified 
and addressed in order to reduce unwarranted regulatory burdens; that 
Federal consumer financial law is enforced consistently, without regard 
to the status of a person as a depository institution, in order to 
promote fair competition; and markets for consumer financial products 
and services operate transparently and efficiently to facilitate access 
and innovation.
    As a general matter, the Bureau believes that it can best achieve 
these statutory purposes by using its various tools to focus on the 
prevention of consumer harm. With specific regard to rulemaking, the 
Bureau seeks to articulate clear rules of the road for regulated 
entities that promote competition, increase transparency, and preserve 
fair markets for financial products and services. If Congress directs 
the Bureau to promulgate rules or address specific issues through 
rulemaking, the Bureau will comply with the law. If the Bureau has 
discretion, the Bureau will focus on preventing consumer harm by 
maximizing informed consumer choice, and by reducing unwarranted 
regulatory burden which can adversely affect competition and consumers' 
access to financial products and services. The Bureau is working on 
various initiatives to achieve these objectives as described below.
    A new permanent director of the Bureau took office in December 
2018. The Director embarked on a listening tour to engage with Bureau 
stakeholders, employees, and outside experts, building on feedback 
submitted through more than 88,000 public comments in response to the 
Bureau's 2018 ``Call for Evidence'' initiative. This Unified Agenda 
represents the first one the Bureau has prepared following the 
Director's listening tour. It seeks to provide the public with 
visibility into the rulemaking activities in which the Bureau is likely 
to be engaged over the next 12 months and those that are contemplated 
in the ensuing year. To enhance transparency, the Bureau has updated 
this Unified Agenda to identify current priorities and to delete 
outdated items.

Implementing Statutory Directives

    The Bureau is engaged in a number of rulemakings to implement 
directives mandated in the Economic Growth, Regulatory Relief, and 
Consumer Protection Act of 2018 (EGRRCPA), Public Law 115-174, 132 
Stat. 1297, the Dodd-Frank Act, and other statutes. As part of these 
rulemakings, the Bureau is working to maximize consumer welfare and 
achieve other statutory objectives through protecting consumers from 
harm and minimizing regulatory burden, including facilitating industry 
compliance with rules.
    For example, in March 2019, the Bureau published an Advance Notice 
of Proposed Rulemaking (ANPRM) to seek public comment relating to 
implementation of section 307 of the EGRRCPA, which amends the Truth in 
Lending Act (TILA) to mandate that the Bureau prescribe certain 
regulations relating to ``Property Assessed Clean Energy'' (PACE) 
financing. As defined by EGRRCPA section 307, PACE financing results in 
a tax assessment on a consumer's real property and covers the costs of 
home improvements. The required regulations must carry out the purposes 
of TILA's ability-to-repay (ATR) requirements, currently in place for 
residential mortgage loans, with respect to PACE financing, and apply 
TILA's general civil liability provision for violations of the ATR 
requirements the Bureau will prescribe for PACE financing. The 
regulations must ``account for the unique nature'' of PACE financing. 
The Bureau is reviewing the comments it received in response to the 
ANPRM, as it considers next steps to facilitate the development of a 
Notice of Proposed Rulemaking (NPRM).
    The Bureau has also been engaged in a range of other activities to 
support its rulemaking to implement the EGRRCPA. For example, the 
Bureau updated its small entity compliance guides and

[[Page 71233]]

other compliance aids to reflect the EGRRCPA's statutory changes. The 
Bureau also issued written guidance as encouraged by section 109 of the 
Act, which states that the Bureau ``should endeavor to provide clearer, 
authoritative guidance'' on certain mortgage regulations.\2\ Finally, 
the Bureau anticipates engaging in guidance activity, as needed, to 
facilitate compliance, regarding the EGRRCPA provisions that do not 
require rulemaking to take effect.
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    \2\ See, e.g., ``TILA-RESPA Integrated Disclosure FAQs''--
available at https://www.consumerfinance.gov/policy-compliance/guidance/tila-respa-disclosure-rule/tila-respa-integrated-disclosure-faqs/.
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    In anticipation of rulemaking activity, the Bureau has also 
conducted a preliminary analysis of the number of lenders potentially 
impacted by implementation of section 108 of the EGRRCPA, which relates 
to escrow requirements for loans made by certain creditors. The Bureau 
released the analysis late this summer, which shows that a limited 
number of additional lenders would be exempt under section 108 of the 
EGRRCPA once implemented by rule.
    Section 1071 of the Dodd-Frank Act amended the Equal Credit 
Opportunity Act to require, subject to rules prescribed by the Bureau, 
financial institutions to collect, report, and make public certain 
information concerning credit applications made by women-owned, 
minority-owned, and small businesses. The Bureau is hosting a symposium 
on small business data collection in November 2019 in order to 
facilitate a robust discussion with outside experts on the issues 
implicated by creating such a data collection and reporting regime. 
After the symposium, the Bureau anticipates that its next step will be 
the release of materials in advance of convening a panel under the 
Small Business Regulatory Enforcement Fairness Act, in conjunction with 
the Office of Management and Budget and the Small Business 
Administration's Chief Counsel for Advocacy, to consult with 
representatives of small businesses that may be affected by the 
rulemaking.

Promoting Competition, Increasing Transparency and Preserving Fair 
Markets

1. Continuation of Other Rulemakings

    The Bureau is continuing certain other rulemakings described in its 
Spring 2019 Agenda to articulate clear rules of the road for regulated 
entities that promote competition, increase transparency, and preserve 
fair markets for financial products and services.
    For example, to consider concerns about possible unwarranted 
regulatory burden, the Bureau issued an NPRM in May 2019 to reconsider 
the thresholds for reporting data about closed-end mortgage loans and 
open-end lines of credit under the Bureau's 2015 Home Mortgage 
Disclosure Act (HMDA) rule. The NPRM also proposed to incorporate into 
Regulation C an interpretive and procedural rule that the Bureau issued 
in August 2018 to clarify partial HMDA exemptions created by the 
EGRRCPA. This summer, the Bureau reopened the comment period of certain 
aspects of the proposed rule until mid-October. Thus, the Bureau plans 
to issue two separate final rules to address different aspects of the 
proposed rule at different times--the first one in the fall of 2019 
would address the proposed 2-year extension of the temporary threshold 
for collecting and reporting data on open-end lines of credit and the 
EGRRCPA partial exemption provisions, and the second one in the spring 
of 2020 would address the proposed changes to the permanent thresholds 
for collecting and reporting data on open-end lines of credit and 
closed-end mortgage loans. Likewise, to consider concerns about 
possible unwarranted regulatory burden, the Bureau also issued an ANPRM 
in May 2019 concerning certain data points that are reported under the 
2015 HMDA rule and coverage of certain business or commercial purpose 
loans. In June 2019, the Bureau extended the comment period on the 
ANPRM to mid-October. In summer 2020, the Bureau expects to issue an 
NPRM to follow up on the ANPRM. The Bureau also expects to issue an 
NPRM addressing the public disclosure of HMDA data in light of consumer 
privacy interests, so that collection and reporting of data points and 
public disclosure of those data points can be considered 
concurrently.\3\
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    \3\ The 2010 Dodd-Frank Act amendments to HMDA direct the Bureau 
to develop regulations that modify or require modification of the 
public HMDA data for the purpose of protecting consumer privacy 
interests. The Bureau's 2015 HMDA rule adopted a balancing test to 
determine whether and how HMDA data should be modified prior to its 
disclosure to the public in order to protect applicant and borrower 
privacy while also fulfilling HMDA's public disclosure purpose. The 
Bureau in 2018 issued final policy guidance applying the test to 
current data points and announced its intention to conduct a notice-
and-comment rulemaking to seek further input on the public release 
going forward. Commencing a notice-and-comment rulemaking will also 
enable the Bureau to adopt a more definitive approach to disclosing 
HMDA data to the public in future years after considering new 
information concerning the privacy risks and benefits of disclosure 
of the HMDA data. Until the Bureau promulgates a final rule on the 
public disclosure of HMDA data, it anticipates that it will continue 
to disclose HMDA data in the manner detailed in the final policy 
guidance.
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    In addition, in February 2019, the Bureau issued an NPRM relating 
to reconsideration of the mandatory underwriting requirements of a 2017 
rule titled Payday, Vehicle Title, and Certain High-Cost Installment 
Loans. In the NPRM, the Bureau initially determined that the evidence 
underlying the identification of the unfair and abusive practice in the 
mandatory underwriting provisions of the 2017 rule was not sufficiently 
robust and reliable to support that determination, in light of the 
impact those provisions will have on the market for covered short-term 
and longer-term balloon-payment loans, and the ability of consumers to 
obtain such loans, among other things. The Bureau also initially 
determined that its approach for its unfairness and abusiveness 
determinations was sufficiently problematic to necessitate 
reconsideration. Based on its reconsideration of those issues, the 
Bureau proposed to rescind the mandatory underwriting provisions in 
their entirety. The comment period for the NPRM closed in May 2019 and 
the Bureau is carefully reviewing the approximately 190,000 comments it 
received. The Bureau expects to take final action with respect to this 
proposal in April 2020.
    Finally, the Bureau issued an NPRM in May 2019, which would 
prescribe rules under Regulation F to govern the activities of debt 
collectors, as that term is defined under the Fair Debt Collection 
Practices Act. The Bureau's proposal would, among other things, address 
communications in connection with debt collection; interpret and apply 
prohibitions on harassment or abuse, false or misleading 
representations, and unfair practices in debt collection; and clarify 
requirements for certain consumer-facing debt collection disclosures. 
The proposal builds on the Bureau's research and pre-rulemaking 
activities regarding the debt collection market, which remains a top 
source of complaints to the Bureau. The Bureau also is engaged in 
testing of consumer disclosures related to time-barred debt disclosures 
that were not the focus of the May 2019 proposal. After testing, the 
Bureau will assess whether to issue a supplemental NPRM seeking 
comments on any disclosure proposal related to the collection of time-
barred debt. The Bureau expects to take final action with regard to the 
May 2019 NPRM in 2020.
    In addition to these three rulemakings in which the Bureau already 
has issued proposals, the Bureau also is continuing work related to a 
potential rulemaking to amend the Bureau's Remittance Rule.

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After completing an assessment in October 2018 of its rules to 
implement Dodd-Frank Act requirements for remittance transfers,\4\ the 
Bureau issued in April 2019 a Request for Information to gather 
information related to the scope of the Remittance Rule's coverage and 
the expiration of a statutorily-established exception in the Remittance 
Rule that permits insured banks and insured credit unions to estimate 
certain required disclosures and other potential remittance transfer 
issues. In its consideration of appropriate next steps, including 
potentially rulemaking, the Bureau is considering stakeholder feedback 
during the assessment process and comments received in response to the 
Request for Information.
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    \4\ ``Remittance rule assessment report''--available at https://www.consumerfinance.gov/data-research/research-reports/remittance-rule-assessment- report/.
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2. New Projects and Further Planning

    In January 2019, the Bureau completed an assessment of rules 
implementing Dodd-Frank Act provisions that require mortgage lenders to 
determine consumers' ability to repay loans and define certain 
``qualified mortgages'' that are presumed to comply with the statutory 
requirements.\5\ The Bureau is now focusing its attention on a 
regulatory provision that extends qualified mortgage status to loans 
that are eligible to be purchased or guaranteed by either Fannie Mae or 
Freddie Mac (which are often called the Government Sponsored 
Enterprises or GSEs) while they operate under Federal conservatorship 
or receivership. The ``GSE patch'' provision is set to expire in 
January 2021, meaning that loans originated after that date would not 
be eligible for qualified mortgage status under its criteria. In July 
2019, the Bureau issued an ANPRM to solicit information about possible 
amendments to the qualified mortgage provisions of Regulation Z, 
specifically information about issues related to the scheduled 
expiration of the GSE patch. The Bureau currently plans to allow the 
GSE patch to expire and is considering whether to revise Regulation Z's 
general qualified mortgage definition in light of this planned 
expiration. The Bureau is further considering a limited extension of 
the expiration date only as necessary to allow for a smooth and orderly 
transition away from the GSE Patch.
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    \5\ ``2013 Ability-to-Repay and Qualified Mortgage Assessment 
Report''--available at https://www.consumerfinance.gov/data-research/research-reports/2013-ability-repay-and-qualified-mortgage-assessment-report/.
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    In light of feedback received in response to the Bureau's 2018 Call 
for Evidence and various other outreach to stakeholders, the Bureau has 
decided to add two new entries to its long-term regulatory agenda. This 
portion of the agenda focuses on potential regulatory actions that an 
agency may engage in beyond the current fiscal year, and currently 
includes issues such as potential rulemaking or other activity 
regarding the Dodd-Frank Act's prohibition on abusive acts or 
practices. The Bureau is now adding entries to address issues of 
concern in connection with loan originator compensation and to 
facilitate the use of electronic channels of communication in the 
origination and servicing of credit card accounts.
    As to loan originator compensation, the Bureau has received 
feedback that aspects of Regulation Z's loan originator compensation 
requirements are unnecessarily restrictive. The Bureau is considering a 
rulemaking to address certain of these concerns. In particular, the 
Bureau plans to examine whether to permit adjustments to a loan 
originator's compensation in connection with originating State housing 
finance authority loans in order to facilitate the origination of such 
loans. The Bureau also plans to examine whether to permit creditors to 
decrease a loan originator's compensation due to the loan originator's 
error in order to provide clearer rules of the road for regulated 
entities. The Bureau has no current plans to consider other significant 
potential changes.
    As to electronic communications, the Bureau has received feedback 
that the intersection of certain requirements of Regulation Z and the 
Electronic Signatures in Global and National Commerce Act (E-SIGN) are 
too restrictive for consumers applying for credit card accounts via 
electronic channels and for consumers willing, or preferring, to 
receive account information electronically only. To decrease regulatory 
burdens that may be inhibiting the use of electronic communication, the 
Bureau is considering a rulemaking to address a range of issues at the 
intersection of E-SIGN and Regulation Z with regard to credit cards. 
The Bureau also notes that similar concerns about the effect of E-SIGN 
have been raised with respect to other types of consumer financial 
products and services including checking accounts. The Bureau 
anticipates that what it learns in considering these issues in the 
credit card context may assist the Bureau in assessing whether there 
are similar concerns with other financial products and services that 
may be appropriate to address in future rulemakings.
    The Bureau is engaged in other rulemakings consistent with its 
general interest in modernizing disclosure rules in light of new and 
emerging technology. For example, the Bureau issued an NPRM in May 
that, among other things, proposed regulations that would modernize 
content and delivery requirements for certain disclosures in the debt 
collection context. The Bureau is interested in exploring ways to adapt 
disclosure regulations so that they more effectively inform the 
increasing number of consumers who use digital media for financial 
products and services, including, but not limited to, financial 
products, such as credit cards.
    The Bureau is also actively reviewing existing regulations. Section 
1022(d) of the Dodd-Frank Act requires the Bureau to conduct an 
assessment of each significant rule or order adopted by the Bureau 
under Federal consumer financial law and publish a report of each 
assessment not later than 5 years after the effective date of the 
subject matter or order. The Bureau will be conducting an assessment of 
its regulations to consolidate various mortgage origination disclosures 
under the Truth in Lending Act and Real Estate Settlement Procedures 
Act. The Regulatory Flexibility Act (RFA) requires the Bureau to 
consider the effect on small entities of certain rules it promulgates. 
The Bureau published in May 2019 its plan for conducting reviews, 
consistent with section 610 of the RFA, of certain regulations which 
are believed to have a significant impact on a substantial number of 
small entities. Congress specified that the purpose of such reviews 
shall be to determine whether such rules should be continued without 
change, or should be amended or rescinded, consistent with the stated 
objectives of the applicable statutes, to minimize any significant 
economic impact of the rules upon a substantial number of such small 
entities. The Bureau is reviewing comments received in response to its 
request for comment on the first such review, concerning the impact on 
small banks and credit unions of a 2009 Regulation E amendment 
concerning overdraft. In 2020, the Bureau expects to conduct additional 
reviews pursuant to section 610 of the RFA, including a review of the 
Regulation Z rules that implement the Credit Card Accountability 
Responsibility and Disclosure Act of 2009.
    Finally, as required by the Dodd-Frank Act, the Bureau is also 
continuing to monitor markets for consumer financial products and 
services to identify risks to consumers and the proper functioning of 
such markets. As

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discussed in a recent report by the Government Accountability Office, 
the Bureau's Division of Research, Markets, and Regulations and 
specifically its Markets Offices continuously monitor market 
developments and risks to consumers. The Bureau also has created a 
number of cross-Bureau working groups focused around specific markets 
which advance the Bureau's market monitoring work. The Bureau's market 
monitoring work assists in identifying issues for potential future 
rulemaking work.

    Dated: July 26, 2019.
Lisa J. Cole,
Acting Assistant Director for Regulations, Bureau of Consumer Financial 
Protection.

           Consumer Financial Protection Bureau--Prerule Stage
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                                                           Regulation
       Sequence No.                    Title             Identifier No.
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411.......................  Business Lending Data              3170-AA09
                             (Regulation B).
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        Consumer Financial Protection Bureau--Proposed Rule Stage
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                                                           Regulation
       Sequence No.                    Title             Identifier No.
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412.......................  Debt Collection Rule......         3170-AA41
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CONSUMER FINANCIAL PROTECTION BUREAU (CFPB)

Prerule Stage

411. Business Lending Data (Regulation B)

    E.O. 13771 Designation: Independent agency.
    Legal Authority: 15 U.S.C. 1691c-2
    Abstract: Section 1071 of the Dodd-Frank Wall Street Reform and 
Consumer Protection Act (Dodd-Frank Act) amends the Equal Credit 
Opportunity Act (ECOA) to require financial institutions to report 
information concerning credit applications made by women-owned, 
minority-owned, and small businesses. The amendments to ECOA made by 
the Dodd-Frank Act require that certain data be collected, maintained, 
and reported, including the number of the application and date the 
application was received; the type and purpose of the loan or credit 
applied for; the amount of credit applied for and approved; the type of 
action taken with regard to each application and the date of such 
action; the census tract of the principal place of business; the gross 
annual revenue of the business; and the race, sex, and ethnicity of the 
principal owners of the business. The Dodd-Frank Act also provides 
authority for the Bureau to require any additional data that the Bureau 
determines would aid in fulfilling the purposes of this section. The 
Bureau may adopt exceptions to any requirement of section 1071 and may 
exempt any financial institution from its requirements, as the Bureau 
deems necessary and appropriate to carry out section 1071's purposes. 
The Bureau issued a Request for Information in 2017 seeking public 
comment on, among other things, the types of credit products offered 
and the types of data currently collected by lenders in this market, 
and the potential complexity, cost of, and privacy issues related to, 
small business data collection. The Bureau is hosting a symposium on 
small business data collection later this year. The information 
received in response to the Request for Information and the symposium 
will help the Bureau as it determines how to implement the rule 
efficiently while minimizing burdens on lenders. After the symposium, 
the Bureau anticipates that its next step will be the release of 
materials in advance of convening a panel under the Small Business 
Regulatory Enforcement Fairness Act, in conjunction with 
representatives of small businesses that may be affected by the 
rulemaking.
    Timetable:

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               Action                    Date            FR Cite
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Request for Information.............   05/15/17  82 FR 22318
Request for Information Comment        09/14/17  .......................
 Period End.
Pre-rule Activity...................   11/00/19  .......................
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    Regulatory Flexibility Analysis Required: Yes.
    Agency Contact: Elena Grigera Babinecz, Office of Regulations, 
Consumer Financial Protection Bureau, Phone: 202 435-7700.
    RIN: 3170-AA09

CONSUMER FINANCIAL PROTECTION BUREAU (CFPB)

Proposed Rule Stage

412. Debt Collection Rule

    E.O. 13771 Designation: Independent agency.
    Legal Authority: 15 U.S.C. 1692l(d)
    Abstract: The Bureau issued a Notice of Proposed Rulemaking in May 
2019, which would prescribe rules under Regulation F to govern the 
activities of debt collectors, as that term is defined under the Fair 
Debt Collection Practices Act. The Bureau's proposal would, among other 
things, address communications in connection with debt collection; 
interpret and apply prohibitions on harassment or abuse, false or 
misleading representations, and unfair practices in debt collection; 
and clarify requirements for certain consumer-facing debt collection 
disclosures. The proposal builds on the Bureau's research and pre-
rulemaking activities regarding the debt collection market, which 
remains a top source of complaints to the Bureau. The Bureau also is 
engaged in testing of consumer disclosures related to time-barred debt 
disclosures that were not addressed in the May 2019 proposal. After 
testing, the Bureau will assess whether to publish a supplemental 
Notice of Proposed Rulemaking related to time-barred debt disclosures.
    Timetable:

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               Action                    Date            FR Cite
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ANPRM...............................   11/12/13  78 FR 67847
ANPRM Comment Period Extended.......   01/14/14  79 FR 2384
ANPRM Comment Period End............   02/10/14  .......................
ANPRM Comment Period Extended End...   02/28/14  .......................
Pre-Rule Activity...................   07/28/16  .......................
NPRM................................   05/21/19  84 FR 23274
NPRM Comment Period Extended........   08/02/19  84 FR 37806

[[Page 71236]]

 
NPRM Comment Period End.............   08/19/19  .......................
NPRM Comment Period Extended End....   09/18/19  .......................
Other...............................   01/00/20  .......................
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    Regulatory Flexibility Analysis Required: Yes.
    Agency Contact: Kristin McPartland, Office of Regulations, Consumer 
Financial Protection Bureau, Phone: 202 435-7700.
    RIN: 3170-AA41

[FR Doc. 2019-26636 Filed 12-23-19; 8:45 am]
BILLING CODE 4810-AM-P