United States Government Publishing Office publisher pbl distributor dst United States National Archives and Records Administration Office of the Federal Register author aut Government Organization text government publication eng FR Regulatory Information 2016_register executive 2016-04-28 article Rules and Regulations D09002ee1c7f64139 D09002ee1c7f641a2 United States Bureau of Consumer Financial Protection originator org United States Government Agency or Subagency Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) transferred rulemaking authority for a number of consumer financial protection laws from seven Federal agencies to the Bureau of Consumer Financial Protection (Bureau) as of July 21, 2011. In December 2011, the Bureau republished the existing regulations implementing those laws, as previously adopted by the seven predecessor agencies, as interim final rules (December 2011 IFRs) with technical and conforming changes to reflect the transfer of authority and certain other changes made by the Dodd-Frank Act. The December 2011 IFRs did not impose any new substantive obligations on persons subject to the existing regulations. This final rule adopts the December 2011 IFRs as final, subject to any intervening final rules published by the Bureau. 81 FR 25323 https://www.govinfo.gov/app/details/FR-2016-04-28/2016-09431 2016-09431 fr28ap16-1 RIN 3170-AA06 4810-AM-P https://www.govinfo.gov/app/details/FR-2016-04-28/2016-09431 https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm https://www.govinfo.gov/content/pkg/FR-2016-04-28/pdf/2016-09431.pdf Aged Banking Banks Civil Rights Consumer Protection Credit Credit Unions Discrimination Fair Lending Marital Status Discrimination National Banks National Origin Discrimination Penalties Race Discrimination Religious Discrimination Reporting and Recordkeeping Requirements Savings Associations Sex Discrimination Mortgages Automated Teller Machines Electronic Fund Transfers Remittance Transfers Administrative Practice and Procedure Intergovernmental Relations Accounting Advertising Agriculture Bank Deposit Insurance Confidential Business Information Conflict of Interests Crime Currency Exports Foreign Banking Grant Programs-Housing and Community Development Holding Companies Insurance Investments Loan Programs-Housing and Community Development Licensing Registration Rural Areas Securities Surety Bonds Depository Institutions Federal Deposit Insurance Act Federal Trade Commission Act Federal Deposit Insurance Adjudicatory Proceedings Advertising Disclaimers Certification of Substantially Equivalent State Law Filing Assistance Land Registration Reporting Requirements Purchasers' Revocation Rights Unlawful Sales Practices Consumer Leasing Truth in Lending Business Practices Related to Mortgage Loans Communications Telemarketing Trade Practices Privacy Fair Credit Reporting Act State Member Banks Condominiums Housing Mortgagees Mortgage Servicing Appraisal Appraiser Truth in Savings 4 p. 25323 25326 81 FR 25323 Title 12 Part 1002 12 CFR Part 1002 Title 12 Part 1003 12 CFR Part 1003 Title 12 Part 1005 12 CFR Part 1005 Title 12 Part 1006 12 CFR Part 1006 Title 12 Part 1007 12 CFR Part 1007 Title 12 Part 1008 12 CFR Part 1008 Title 12 Part 1009 12 CFR Part 1009 Title 12 Part 1010 12 CFR Part 1010 Title 12 Part 1011 12 CFR Part 1011 Title 12 Part 1012 12 CFR Part 1012 Title 12 Part 1013 12 CFR Part 1013 Title 12 Part 1014 12 CFR Part 1014 Title 12 Part 1015 12 CFR Part 1015 Title 12 Part 1016 12 CFR Part 1016 Title 12 Part 1022 12 CFR Part 1022 Title 12 Part 1024 12 CFR Part 1024 Title 12 Part 1026 12 CFR Part 1026 Title 12 Part 1030 12 CFR Part 1030 RIN 3170-AA06 Finalization of Interim Final Rules (Subject to Any Intervening Amendments) Under Consumer Financial Protection Laws; Federal Register Vol. 81, Issue RULE 2016-09431 BUREAU OF CONSUMER FINANCIAL PROTECTION 2016-04-28 4810-AM-P 2016-09431 Final rule; official interpretations.

Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) transferred rulemaking authority for a number of consumer financial protection laws from seven Federal agencies to the Bureau of Consumer Financial Protection (Bureau) as of July 21, 2011. In December 2011, the Bureau republished the existing regulations implementing those laws, as previously adopted by the seven predecessor agencies, as interim final rules (December 2011 IFRs) with technical and conforming changes to reflect the transfer of authority and certain other changes made by the Dodd-Frank Act. The December 2011 IFRs did not impose any new substantive obligations on persons subject to the existing regulations. This final rule adopts the December 2011 IFRs as final, subject to any intervening final rules published by the Bureau.

This final rule is effective April 28, 2016. Kristen Phinnessee, Counsel, Office of Regulations, Consumer Financial Protection Bureau, 1700 G Street NW., Washington, DC 20552, at (202) 435-7700. Aged Banking Banks Civil Rights Consumer Protection Credit Credit Unions Discrimination Fair Lending Marital Status Discrimination National Banks National Origin Discrimination Penalties Race Discrimination Religious Discrimination Reporting and Recordkeeping Requirements Savings Associations Sex Discrimination Mortgages Automated Teller Machines Electronic Fund Transfers Remittance Transfers Administrative Practice and Procedure Intergovernmental Relations Accounting Advertising Agriculture Bank Deposit Insurance Confidential Business Information Conflict of Interests Crime Currency Exports Foreign Banking Grant Programs-Housing and Community Development Holding Companies Insurance Investments Loan Programs-Housing and Community Development Licensing Registration Rural Areas Securities Surety Bonds Depository Institutions Federal Deposit Insurance Act Federal Trade Commission Act Federal Deposit Insurance Adjudicatory Proceedings Advertising Disclaimers Certification of Substantially Equivalent State Law Filing Assistance Land Registration Reporting Requirements Purchasers' Revocation Rights Unlawful Sales Practices Consumer Leasing Truth in Lending Business Practices Related to Mortgage Loans Communications Telemarketing Trade Practices Privacy Fair Credit Reporting Act State Member Banks Condominiums Housing Mortgagees Mortgage Servicing Appraisal Appraiser Truth in Savings Consumer Financial Protection Laws: Finalization of Interim Final Rules , Vol. 81, no. 82 Office of the Federal Register, National Archives and Records Administration 2016-04-28 continuing daily deposited born digital 271 p. Table of Contents: AE 2.7: GS 4.107: AE 2.106: KF70.A2 https://www.govinfo.gov/app/details/FR-2016-04-28 P0b002ee18f4f5880 0097-6326 0042-1219 0364-1406 769-004-00000-9 000582072 f:fr28ap16 https://www.govinfo.gov/app/details/FR-2016-04-28 https://www.govinfo.gov/content/pkg/FR-2016-04-28/pdf/FR-2016-04-28.pdf https://www.govinfo.gov/content/pkg/FR-2016-04-28/xml/FR-2016-04-28.xml fdlp 25323 25584 DGPO 2016-04-28 2024-06-02 FR-2016-04-28 machine generated eng FR FR-2016-04-28 81 82