Regulatory Calendar

Effective Date or Proposal Date†	Implementing Regulation	Regulatory Change
10/01/25*	Regs. E and Z	Consumer Financial Protection Bureau (CFPB) issues final rule for overdraft fee for very large financial institutions
10/01/25	Reg. Z	Agencies issue final rule on quality control standards for automated valuation models
07/01/25	Reg. CC	Agencies implement inflation-adjusted dollar thresholds for Regulation CC funds availability
03/17/25**	Reg. V	CFPB issues final rule to limit the use of medical debt in underwriting consumer credit (90 FR 8173 corrected the effective date)
01/17/25**	12 U.S.C. §1033	CFPB issues final rule on personal financial data rights
01/09/25*	12 C.F.R. §1090.109	CFPB issues larger participant final rule for the general-use digital consumer payment applications market
01/01/25	Reg. Z	Agencies announce dollar thresholds for smaller loan exemption from appraisal requirements for higher-priced mortgage loans
01/01/25	Regs. M and Z	Agencies adjust dollar thresholds for consumer credit and lease transactions
12/09/24	Reg. V	CFPB issues an advance notice of proposed rulemaking for furnishing information about coerced debt
12/03/24	Reg. V	CFPB issues proposal to define data brokers as consumer reporting agencies subject to the Fair Credit Reporting Act
07/30/24***	Reg. Z	CFPB issues interpretive rule applying certain provisions of Regulation Z to Buy Now, Pay Later loans
07/26/24	FHA, Regs. Z and B	Final Interagency Guidance on Reconsiderations of Value of Residential Real Estate Valuations
05/14/24**	Reg. Z	CFPB issues final rule for credit card penalty fees
04/29/24	24 C.F.R. §100.500	Guidance on “Application of the Fair Housing Act to the Advertising of Housing, Credit, and Other Real Estate-Related Transactions Through Digital Platforms”
02/01/24****	Reg. BB	Agencies issue final rule to modernize their implementing regulations for the Community Reinvestment Act
01/31/24***	12 C.F.R. §1042.2	CFPB issues proposal to prohibit fees for instantaneously declined transactions
11/14/23	Reg. II	Federal Reserve issues proposal to lower the maximum interchange fee a large debit card issuer may charge
10/12/23	Reg. B	CFPB and Department of Justice issue Joint Statement on Fair Lending and Credit Opportunities for Noncitizen Borrowers Under the Equal Credit Opportunity Act
09/19/23	Reg. B	CFPB issues Advisory Opinion on adverse action notice requirements for creditors using artificial intelligence
08/29/23**	Reg. B	CFPB’s Statement on Enforcement and Supervisory Practices Relating to the Small Business Lending Rule Under the Equal Credit Opportunity Act and Regulation B

† Because proposed rules do not have an effective date, we have listed the Federal Register publication date.

* Subject to the Congressional Review Act.

** Litigation is pending in which a court has stayed the rule pending the outcome of the lawsuit.

*** Subject to CFPB review.

**** On March 28, 2025, the agencies announced “their intent to issue a proposal to both rescind the Community Reinvestment Act (CRA) final rule issued in October 2023 and reinstate the CRA framework that existed prior to the October 2023 final rule.”