Current Proposed and Final Rules
Types of Rules
Proposed Rule
A proposed rule is a formal notice a federal agency published in the Federal Register to present a draft regulation for public review and comment, after which a final rule is issued. This also includes advanced notices of proposed rulemakings (ANPRs) and requests for information (RFIs).
Final Rule
A final rule is a legally binding federal regulation that implements or changes a law and is issued after public comments are considered for the proposed rule.
Regulation List
Final Rule
Regs. M and Z
Effective Date: 01/01/2026
Published Date: 12/15/2025
Regulatory Change
Agencies update annual dollar amount thresholds for Regulations M and Z
Final Rule
Regs. M and Z
Regulatory Change
Agencies update annual dollar amount thresholds for Regulations M and Z
Final Rule
FHA, Regs. Z and B
Effective Date: 07/26/2024
Published Date: 07/26/2024
Regulatory Change
Final Interagency Guidance on Reconsiderations of Value of Residential Real Estate Valuations
Final Rule
FHA, Regs. Z and B
Regulatory Change
Final Interagency Guidance on Reconsiderations of Value of Residential Real Estate Valuations
Proposed Rule
Reg. II
Proposed Date: 11/14/2023
Regulatory Change
Federal Reserve issues proposal to lower the maximum interchange fee a large debit card issuer may charge. Because of pending litigation, the final rule has not yet been issued.
Proposed Rule
Reg. II
Regulatory Change
Federal Reserve issues proposal to lower the maximum interchange fee a large debit card issuer may charge. Because of pending litigation, the final rule has not yet been issued.
Final Rule
Reg. CC
Effective Date: 07/01/2025
Published Date: 05/20/2024
Regulatory Change
Agencies implement inflation-adjusted dollar thresholds for Regulation CC funds availability
Final Rule
Reg. CC
Regulatory Change
Agencies implement inflation-adjusted dollar thresholds for Regulation CC funds availability
Final Rule
Reg. C
Effective Date: 01/07/2026
Published Date: 01/07/2026
Regulatory Change
CFPB issues final rule to revise the asset-size exemption threshold under Regulation C for effect of inflation
Final Rule
Reg. C
Regulatory Change
CFPB issues final rule to revise the asset-size exemption threshold under Regulation C for effect of inflation
Proposed Rule
CRA
Proposed Date: 08/12/2026
Regulatory Change
The Federal Deposit Insurance Corporation and the Office of the Comptroller of the Currency jointly issue a proposed rule to amend their Community Reinvestment Act regulations
Proposed Rule
CRA
Regulatory Change
The Federal Deposit Insurance Corporation and the Office of the Comptroller of the Currency jointly issue a proposed rule to amend their Community Reinvestment Act regulations
Final Rule
Reg. B
Effective Date: 06/30/2026
Published Date: 05/01/2026
Regulatory Change
CFPB issues a final rule to amend the small-business loan data collection rule under §1071 of the Dodd–Frank Act, with an effective date of 01/30/26, and a mandatory compliance date of 01/01/28
Final Rule
Reg. B
Regulatory Change
CFPB issues a final rule to amend the small-business loan data collection rule under §1071 of the Dodd–Frank Act, with an effective date of 01/30/26, and a mandatory compliance date of 01/01/28
Final Rule
Reg. B
Effective Date: 07/21/2026
Published Date: 04/22/2026
Regulatory Change
CFPB issues a final rule amending provisions of Regulation B addressing discouragement, Special Purpose Credit Programs, and disparate impact liability
Final Rule
Reg. B
Regulatory Change
CFPB issues a final rule amending provisions of Regulation B addressing discouragement, Special Purpose Credit Programs, and disparate impact liability
Proposed Rule
DFA §1024
Proposed Date: 08/26/2025
Regulatory Change
CFPB issues a proposed rule to define the legal standard for designating nonbank covered person to its supervisory authority because their financial products or services pose risks to consumers
Proposed Rule
DFA §1024
Regulatory Change
CFPB issues a proposed rule to define the legal standard for designating nonbank covered person to its supervisory authority because their financial products or services pose risks to consumers
Final Rule
Reg. V
Effective Date: 01/01/2026
Published Date: 12/15/2026
Regulatory Change
CFPB issues a final rule to amend the maximum allowable charge for disclosures by a consumer report agency to a consumer
Final Rule
Reg. V
Regulatory Change
CFPB issues a final rule to amend the maximum allowable charge for disclosures by a consumer report agency to a consumer
Final Rule
Reg. V
Effective Date: 10/28/2025
Published Date: 10/28/2025
Regulatory Change
CFPB issues an interpretive rule to clarify that the Fair Credit Reporting Act (FCRA) generally preempts state credit reporting laws
Final Rule
Reg. V
Regulatory Change
CFPB issues an interpretive rule to clarify that the Fair Credit Reporting Act (FCRA) generally preempts state credit reporting laws
Final Rule
Reg. Z
Effective Date: 01/01/2026
Published Date: 12/15/2025
Regulatory Change
Agencies issue a final rule to increase the exemption threshold for the appraisal requirements of higher-priced mortgage loans for inflation
Final Rule
Reg. Z
Regulatory Change
Agencies issue a final rule to increase the exemption threshold for the appraisal requirements of higher-priced mortgage loans for inflation
Final Rule
Reg. Z
Effective Date: 01/01/2026
Published Date: 12/15/2025
Regulatory Change
CFPB issues a final rule to increase the thresholds for credit cards, qualified mortgages, and loans subject to the Home Ownership and Equity Protection Act of 1994 based on changes to the CPI-W
Final Rule
Reg. Z
Regulatory Change
CFPB issues a final rule to increase the thresholds for credit cards, qualified mortgages, and loans subject to the Home Ownership and Equity Protection Act of 1994 based on changes to the CPI-W
Final Rule
Reg. Z
Effective Date: 10/01/2025
Published Date: 08/12/2024
Regulatory Change
Agencies issue a final rule on the quality control standards for automated valuation models
Final Rule
Reg. Z
Regulatory Change
Agencies issue a final rule on the quality control standards for automated valuation models