Regulatory Calendar

Effective Date†	Regulation	Regulatory Change
01/01/26 (most provisions)	Reg. BB	Agencies issue final rule to modernize their implementing regulations for the Community Reinvestment Act
01/01/24	Reg. Z	Agencies announce dollar thresholds for smaller loan exemption from appraisal requirements for higher-priced mortgage loans
01/01/24	Regs. M and Z	Agencies update annual dollar amount thresholds for Regulations M and Z
01/01/24	Regs. C and Z	Consumer Financial Protection Bureau (CFPB) adjusts annual dollar amount thresholds under the Truth in Lending Act and the Home Mortgage Disclosure Act
11/17/23	12 C.F.R. 1090	CFPB issues proposed larger-participants rulemaking for the market for general-use digital consumer payment applications
11/14/23	Reg. II	Federal Reserve proposes to lower the maximum interchange fee a large debit card issuer may charge
10/31/23	12 C.F.R. 1033	CFPB issues rulemaking proposal to implement §1033 of the Dodd–Frank Act
10/30/23	n/a	Agencies issue principles for climate-related financial risk management for large financial institutions
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
09/21/23	Reg. V	CFPB begins rulemaking process to regulate consumer reporting of medical debts
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
07/21/23	FHA, Regs. Z and B	Proposed Interagency Guidance on Reconsiderations of Value of Residential Real Estate Valuations
07/06/23	Reg. B	CFPB issues annual fair lending report for 2022
06/21/23	Reg. Z	Agencies issue proposed rulemaking on quality control standards for automated valuation models
05/11/23	Reg. Z	CFPB issues proposed rule for residential property assessed clean energy financing
04/03/23	UDAAP	CFPB issues policy statement on prohibition of abusive acts or practices
**	Reg. B	CFPB’s final rule under §1071 of the Dodd–Frank Act requiring lenders to collect small business loan data
03/29/23	Reg. Z	CFPB issues rulemaking proposal to revise safe-harbor credit card late fees

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

** On October 26, 2023, a federal district court in Texas temporarily suspended enforcement of the rule nationwide.