Regulatory Calendar

Effective Date or Proposal Date†	Implementing Regulation	Regulatory Change
07/01/25	Reg. CC	Agencies announce inflation-adjusted dollar thresholds for Regulation CC funds availability
07/30/24	Reg. Z	Consumer Financial Protection Bureau (CFPB) issues interpretive rule applying certain provisions of Regulation Z to Buy Now, Pay Later loans
06/18/24	Reg. V	CFPB issues proposed rule to limit the use of medical debt in underwriting consumer credit
05/14/24*	Reg. Z	CFPB issues final rule for credit card penalty fees
**	Reg. BB	Agencies issue final rule to modernize their implementing regulations for the Community Reinvestment Act
02/23/24	Regs. E and Z	CFPB issues proposed rule to regulate credit overdrafts at very large financial institutions
01/31/24	12 C.F.R. §1042.2	CFPB issues proposed rule to prohibit fees for instantaneously declined transactions
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	CFPB adjusts annual dollar amount thresholds under the Home Mortgage Disclosure Act and the Truth in Lending Act
11/17/23	12 C.F.R. §1090.10	CFPB issues proposed larger-participants rulemaking for the market for general-use digital consumer payment applications
11/14/23	Reg. II	Federal Reserve issues proposed rule to lower the maximum interchange fee a large debit card issuer may charge
10/31/23	12 C.F.R. Part 1033	CFPB issues proposed rule 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
09/19/23	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	n/a	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 rule 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

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

* A lawsuit challenging the final rule is pending.

** On March 29, 2024, a federal district court in Texas issued an injunction suspending enforcement of the rule nationwide while lawsuit challenging the rule proceeds. The agencies have appealed the ruling to the United States Court of Appeals for the Fifth Circuit.

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