[Federal Register Volume 85, Number 166 (Wednesday, August 26, 2020)]
[Proposed Rules]
[Pages 52809-52814]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2020-16749]
[[Page 52809]]
Vol. 85
Wednesday,
No. 166
August 26, 2020
Part XXIII
Bureau of Consumer Financial Protection
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Semiannual Regulatory Agenda
Federal Register / Vol. 85, No. 166 / Wednesday, August 26, 2020 /
UA: Reg Flex Agenda
[[Page 52810]]
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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 Spring 2020 Unified Agenda of
Federal Regulatory and Deregulatory Actions. The Bureau reasonably
anticipates having the regulatory matters identified below under
consideration during the period from May 1, 2020, to April 30, 2021.
The next agenda will be published in fall 2020 and will update this
agenda through fall 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 March 5, 2020.
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
CFPB_Accessibility@cfpb.gov.
SUPPLEMENTARY INFORMATION: The Bureau is publishing its spring 2020
Agenda as part of the Spring 2020 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 May 1, 2020, to April 30, 2021, as
described further below. The Bureau's participation in the Unified
Agenda is voluntary.\1\ 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 and objectives 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 compliance with the law, foster
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. Consistent with these priorities and to enhance
transparency, the Unified Agenda identifies 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.
Rulemaking To Implement EGRRCPA
The Bureau is conducting the two remaining rulemakings mandated in
the Economic Growth, Regulatory Relief, and Consumer Protection Act of
2018, Public Law 115-174, 132 Stat. 1297 (EGRRCPA). 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.
First, section 307 of the EGRRCPA 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.
Section 307 of the EGRRCPA also specifically authorizes the collection
of data and information necessary to support a PACE rulemaking. In
March 2019 the Bureau issued an Advance Notice of Proposed Rulemaking
(ANPRM) and is continuing to engage with stakeholders and collect
information for the rulemaking, including by pursuing quantitative data
on the effect of PACE on consumers' financial outcomes.
Second, section 108 of the EGRRCPA directs the Bureau to conduct a
rulemaking to exempt from the escrow requirement loans made by certain
creditors with assets of $10 billion or less and meeting other
criteria, adding to a 2013 rule issued by the Bureau under the Dodd-
Frank Act that created an exemption for creditors with under $2 billion
in assets and meeting other criteria. In anticipation of future
rulemaking activity, the Bureau conducted, and in late summer 2019
released, a preliminary analysis of the number of lenders potentially
impacted by implementation of the new exemption in section 108 of
EGRRCPA. This analysis showed that a limited number of additional
lenders would be exempt under section 108 of EGRRCPA
[[Page 52811]]
once implemented by rule. The Bureau expects to issue a Notice of
Proposed Rulemaking (NPRM) in summer 2020.
Rulemakings To Implement the DFA and Other Statutes
1. Continuation of Other Rulemakings
The Bureau is continuing certain other rulemakings described in its
Fall 2019 Agenda to articulate clear rules of the road for regulated
entities that promote compliance with the law, foster competition,
increase transparency, and preserve fair markets for financial products
and services.
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 hosted a symposium on
small business data collection in November 2019 to facilitate its
decisionmaking. In addition, the Bureau is working to conduct a survey
of lenders to obtain estimates of one-time costs lenders of varying
sizes would incur to collect and report data pursuant to section 1071.
The Bureau's 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
hear from representatives of small businesses on which Bureau rules to
implement section 1071 may impose costs.
In addition, 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. In August 2019, the Bureau reopened until mid-October the
comment period for certain aspects of the NPRM. The Bureau determined
that it would issue two final rules at different times to address
different aspects of the proposed rule. The Bureau issued the first of
these final rules in October 2019. It finalized the proposed 2-year
extension of the 500-loan temporary threshold for collecting and
reporting data on open-end lines of credit and incorporated into
Regulation C the EGRRCPA partial exemption provisions. The Bureau plans
to issue a second final rule in April 2020 that 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 2019. The Bureau expects to issue an NPRM in late summer 2020
to follow up on the ANPRM. The Bureau also expects to issue an NPRM in
late summer 2020 addressing the public disclosure of HMDA data in light
of consumer privacy interests, so that stakeholders can concurrently
consider and comment on the collection and reporting of data points and
public disclosure of those data points. This NPRM will follow up on the
Bureau's 2018 final policy guidance regarding disclosure of the HMDA
data. Until the Bureau promulgates a final rule, it anticipates that it
will continue to disclose HMDA data in the manner detailed in the final
policy guidance.
In April 2020, the Bureau plans to complete an action begun in
February 2019 to revoke the mandatory underwriting requirements of the
regulations promulgated in a 2017 rule titled Payday, Vehicle Title,
and Certain High-Cost Installment Loans. As amended, the regulations
will no longer: (1) Identify as an unfair and abusive practice a lender
making a covered short-term or longer-term balloon-payment loan,
including payday and vehicle title loans, without reasonably
determining that consumers have the ability to repay those loans
according to their terms; (2) prescribe mandatory underwriting
requirements for making the ability-to-repay determination, or exempt
certain loans from the mandatory underwriting requirements; and (3)
include definitions or impose reporting and recordkeeping requirements
relating to the mandatory underwriting requirements. In response to
stakeholder input, the Bureau is now evaluating what, if any, other
actions to take with respect to the application of the payments
provisions of the 2017 Rule to the short-term, longer-term balloon-
payment, and certain high cost installment loans covered by those
provisions. These actions could include, but are not limited to,
updated compliance aids, policy statements, or other guidance.
The Bureau also issued an NPRM in May 2019 that 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; the conduct of debt collectors remains a top source
of complaints to the Bureau. The Bureau expects to take final action in
October 2020 with regard to the May 2019 NPRM. The Bureau has also
engaged in testing of time-barred debt disclosures that were not the
focus of the May 2019 proposal. In early 2020, after completing the
testing, the Bureau published a supplemental NPRM related to time-
barred debt disclosures.
The Bureau also is continuing work related to a rulemaking to amend
the Bureau's Remittance Rule. Section 1073 of the Dodd-Frank Act
contains a temporary exception to its requirement 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 an 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. The proposed changes would allow 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
[[Page 52812]]
adding countries to the safe harbor countries list maintained by the
Bureau. The Bureau expects to issue a final rule in May 2020.
In July 2019, the Bureau issued an ANPRM to solicit information
about possible amendments to the qualified mortgage provisions of
Regulation Z. With certain exceptions, Regulation Z requires creditors
to make a reasonable, good faith determination of a consumer's ability
to repay any residential mortgage loan, and loans that meet Regulation
Z's requirements for ``qualified mortgages'' obtain certain protections
from liability. One category of qualified mortgages (QMs) covers
certain loans that are eligible for purchase or guarantee by either the
Federal National Mortgage Association (Fannie Mae) or the Federal Home
Loan Mortgage Corporation (Freddie Mac). Under Regulation Z, this
category of QMs (Temporary GSE QM or ``Patch'' loans) is scheduled to
expire no later than January 10, 2021. The Bureau is planning to
propose in May 2020 amendments to the definition of General QM that
would move away from the 43 percent Debt-to-Income (DTI) requirement
and would instead establish an alternative, such as a pricing threshold
(i.e., the difference between the loan's annual percentage rate (APR)
and the average prime offer rate (APOR) for a comparable transaction)
for loans to qualify as QMs. General QM loans would still have to meet
the statutory criteria for QM status, including restrictions related to
loan features, up-front costs, and underwriting. The Bureau also
expects that in May 2020 it will propose to extend the Patch for a
short period until the effective date of the proposed alternative or
until one or more of the GSEs exits conservatorship, whichever comes
first. This would help ensure a smooth and orderly transition away from
the Patch by (among other things) allowing the Bureau to complete this
rulemaking and to avoid any gap between the expiration of the Patch and
the effective date of the proposed alternative. Finally, the Bureau is
considering adding a new ``seasoning'' definition of QM which would be
issued through a separate NPRM. This definition would create an
alternative pathway to QM safe-harbor status for certain mortgages when
the borrower has consistently made timely payments for a period.
The Bureau is participating in interagency rulemaking processes
with the Board of Governors of the Federal Reserve System, the Office
of the Comptroller of the Currency, the Federal Deposit Insurance
Corporation, the National Credit Union Administration, and the Federal
Housing Finance Agency to develop regulations to implement the
amendments made by the Dodd-Frank Act to the Financial Institutions
Reform, Recovery, and Enforcement Act of 1989 (FIRREA) concerning
appraisals. The FIRREA amendments require implementing regulations for
quality control standards for automated valuation models (AVMs). These
standards are designed to ensure a high level of confidence in the
estimates produced by the valuation models, protect against the
manipulation of data, seek to avoid conflicts of interest, require
random sample testing and reviews, and account for any other such
factor that the Agencies determine to be appropriate. The Agencies will
continue to work to develop a proposed rule to implement the Dodd-Frank
Act's AVM amendments to FIRREA.
2. New Projects and Planning for Future Rulemakings
The Bureau is commencing a new rulemaking to address the
anticipated expiration of the LIBOR index, which the UK Financial
Conduct Authority has stated that it cannot guarantee the publication
of beyond the end of 2021. The Bureau's work is designed to facilitate
compliance by open-end and closed-end creditors and to lessen the
financial impact to consumers by providing examples of replacement
indices that meet Regulation Z requirements. For creditors for HELOCs
(including reverse mortgages) and card issuers for credit card
accounts, the rule would facilitate the transition of existing accounts
to an alternative index, beginning around December 2020, well in
advance of LIBOR's anticipated expiration. The rule also would address
change-in-terms notice provisions for HELOCs and credit card accounts
and how they apply to the transition away from LIBOR, to ensure that
consumers are informed of the replacement index and any adjusted
margin. To facilitate compliance by card issuers, the rule would
address how the rate re-evaluation provisions applicable to credit card
accounts apply to the transition from LIBOR to a replacement index.
Commencing a notice-and-comment rulemaking will enable the Bureau to
facilitate compliance by creditors with Regulation Z as they transition
away from LIBOR. The Bureau expects to issue an NPRM in May 2020.
Congress tasked the Bureau with ensuring that markets for consumer
financial products and services operate transparently and efficiently
to facilitate access and innovation. One area of innovation we are
monitoring is use of artificial intelligence (AI), including a subset
of AI, machine learning (ML). Issues concerning use of AI and how it
may apply in the context of the Federal consumer financial laws and
regulations were raised in response to the Bureau's 2017 Request for
Information Regarding Use of Alternative Data and Modeling Techniques
in the Credit Process, the Bureau's 2018 Calls for Evidence, and in
other outreach since then. As the Bureau continues to monitor
developments concerning AI, the Bureau will evaluate whether
rulemaking, a policy statement, or other Bureau action may be
appropriate.
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 is conducting an assessment of its
Integrated Mortgage Disclosures Under the Real Estate Settlement
Procedures Act (Regulation X) and the Truth in Lending Act (Regulation
Z) Rule and certain amendments.
The Regulatory Flexibility Act (RFA) also 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 has conducted its first 610 RFA review, concerning the
impact on small banks and credit unions of a 2009 Regulation E
amendment governing overdraft services. After considering the statutory
review factors, including a review of public comment, the Bureau has
determined that the rule should continue without change at this time.
The Bureau believes that there is a continued need for this rule, which
does not overlap with other Federal or State rules and which likely
preserves a valuable consumer choice. The overdraft rule is not
complex, and no aspect of the rule was identified as
[[Page 52813]]
presenting a unique burden or cost to small entities. Commenters also
overwhelmingly supported continuing the 2009 rule without change. The
Bureau expects to conduct additional reviews pursuant to section 610 of
the RFA, including, commencing in 2020, 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 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: March 5, 2020.
Susan M. Bernard,
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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281....................... 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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282....................... Debt Collection Rule...... 3170-AA41
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CONSUMER FINANCIAL PROTECTION BUREAU (CFPB)
Prerule Stage
281. 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) amended the Equal Credit
Opportunity Act (ECOA) to require, subject to rules prescribed by the
Bureau, 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 or 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. In November 2019, the Bureau hosted a
symposium on small business data collection to facilitate its decision-
making. The symposium explored how to efficiently collect appropriate
data without imposing unnecessary or undue costs that could limit
access to credit from existing market participants or discourage new
entrants into the market for small business credit. The information
received in response to the Request for Information and the symposium
will help the Bureau as it determines how to implement the statute
efficiently while minimizing burdens on lenders. In addition, the
Bureau is working to conduct a survey of lenders to obtain estimates of
one-time costs lenders of varying sizes would incur to collect and
report data pursuant to section 1071. The Bureau's next step will be
the release of materials in advance of convening a panel under the
Small Business Regulatory Enforcement Fairness Act (SBREFA), in
conjunction with the Office of Management and Budget and the Small
Business Administration's Chief Counsel for Advocacy. Through this
SBREFA process, the Bureau will hear from representatives of small
businesses on which Bureau rules to implement section 1071 may impose
costs.
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--SBREFA Outline... 09/00/20
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Regulatory Flexibility Analysis Required: Yes.
Agency Contact: Kristine Andreassen, Office of Regulations,
Consumer Financial Protection Bureau, Washington, DC 20552, Phone: 202
435-7700.
RIN: 3170-AA09
CONSUMER FINANCIAL PROTECTION BUREAU (CFPB)
Proposed Rule Stage
282. Debt Collection Rule
E.O. 13771 Designation: Independent agency.
Legal Authority: 15 U.S.C. 1692l(d)
Abstract: In May 2019, the Bureau issued a Notice of Proposed
Rulemaking (NPRM), which would prescribe rules under Regulation F to
govern the activities of debt collectors, as that term
[[Page 52814]]
is defined under the Fair Debt Collection Practices Act (FDCPA). 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; the conduct of debt collectors remains a top source
of complaints to the Bureau. The Bureau expects to take final action in
October 2020 with regard to the May 2019 NPRM. The Bureau has also
engaged in testing of time-barred debt disclosures that were not
addressed in the May 2019 proposal. In February 2020, after completing
the testing, the Bureau issued a supplemental NPRM 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--SBREFA Outline... 07/28/16
NPRM................................ 05/21/19 84 FR 23274
NPRM Comment Period Extended........ 08/02/19 84 FR 37806
NPRM Comment Period End............. 08/19/19
NPRM Comment Period Extended End.... 09/18/19
Supplemental NPRM................... 03/03/20 85 FR 12672
Supplemental NPRM Comment Period 03/27/20 85 FR 17299
Extended.
Supplemental NPRM Comment Period 06/05/20
Extended End.
Final Rule.......................... 10/00/20
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Regulatory Flexibility Analysis Required: Yes.
Agency Contact: Kristin McPartland, Office of Regulations, Consumer
Financial Protection Bureau, Washington, DC 20552, Phone: 202 435-7700.
RIN: 3170-AA41
[FR Doc. 2020-16749 Filed 8-25-20; 8:45 am]
BILLING CODE 4810-AM-P