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6500 - Consumer Financial Protection Bureau


CONSUMER FINANCIAL PROTECTION BUREAU
______________

TABLE OF CONTENTS

CONSUMER FINANCIAL PROTECTION BUREAU

Equal Opportunity Act (Regulation B)


SEC. 1002.1 Authority, scope and purpose 
SEC. 1002.2 Definitions 
SEC. 1002.3 Limited exceptions for certain classes of transactions 
SEC. 1002.4 General rules 
SEC. 1002.5 Rules concerning requests for information 
SEC. 1002.6 Rules concerning evaluation of applications 
SEC. 1002.7 Rules concerning extensions of credit 
SEC. 1002.8 Special purpose credit programs 
SEC. 1002.9 Notifications 
SEC. 1002.10 Furnishing of credit information 
SEC. 1002.11 Relation to state law 
SEC. 1002.12 Record retention 
SEC. 1002.13 Information for monitoring purposes 
SEC. 1002.14 Rules on providing appraisals and other valuations 
SEC. 1002.15 Incentives for self-testing and self-correction 
SEC. 1002.16 Enforcement, penalties and liabilities 
Appendix A to Part 1002—Federal Agencies To Be Listed in Adverse Action Notices 
Appendix B to Part 1002—Model Application Forms 
Appendix C to Part 1002—Sample Notification Forms 
Appendix D to Part 1002—Issuance of Official Interpretations 
Supplement I to Part 1002—Official Interpretations 

1003 Home Mortgage Disclosure (Regulation C)


SEC. 1003.1 Authority, purpose, and scope 
SEC. 1003.2 Definitions 
SEC. 1003.3 Exempt institutions 
SEC. 1003.4 Compilation of loan data 
SEC. 1003.5 Disclosure and reporting 
SEC. 1003.6 Enforcement 
Appendix A to Part 1003—Form and Instructions for Completion of HMDA Loan/Application Register 
Appendix B to Part 1003—Form and Instructions for Data Collection on Ethnicity, Race, and Sex 
Supplement I to Part 1003—Staff Commentary 

Electronic Fund Transfers (Regulation E)

Subpart A—General


SEC. 1005.1 Authority and purpose 
SEC. 1005.2 Definitions 
SEC. 1005.3 Coverage 
SEC. 1005.4 General disclosure requirements; jointly offered services 
SEC. 1005.5 Issuance of access devices 
SEC. 1005.6 Liability of consumer for unauthorized transfers 
SEC. 1005.7 Initial disclosures 
SEC. 1005.8 Change in terms notice; error resolution notice 
SEC. 1005.9 Receipts at electronic terminals; periodic statements 
SEC. 1005.10 Preauthorized transfers 
SEC. 1005.11 Procedures for resolving errors 
SEC. 1005.12 Relation to other laws 
SEC. 1005.13 Administrative enforcement; record retention 
SEC. 1005.14 Electronic fund transfer service provider not holding consumer's account 
SEC. 1005.15 Electronic fund transfer of government benefits 
SEC. 1005.16 Disclosures at automated teller machines 
SEC. 1005.17 Requirements for overdraft services 
SEC. 1005.18 Requirements for financial institutions offering payroll card accounts 
SEC. 1005.20 Requirements for gift cards and gift certificates 

Subpart B—Requirements for Remittance Transfers


SEC. 1005.30 Remittance transfer definitions 
SEC. 1005.31 Disclosures 
SEC. 1005.32 Estimates 
SEC. 1005.33 Procedures for resolving errors 
SEC. 1005.34 Procedures for cancellation and refund of remittance transfers 
SEC. 1005.35 Acts of agents 
SEC. 1005.36 Transfers scheduled in advance 
Appendix A to Part 1005—Model Disclosure Clauses and Forms Appendix B to Part 1005 [Reserved]
Appendix C to Part 1005—Issuance of Official Interpretations 
Supplement I to Part 1005—Official Interpretations 

Fair Debt Collection Practices Act (Regulation F)


SEC. 1006.1 Purpose and definitions 
SEC. 1006.2 Application 
SEC. 1006.3 Supporting documents 
SEC. 1006.4 Criteria for determination 
SEC. 1006.5 Public notice of filing 
SEC. 1006.6 Exemption from requirements 
SEC. 1006.7 Adverse determination 
SEC. 1006.8 Revocation of exemption 

S.A.F.E. Mortgage Licensing Act—State Compliance and Bureau Registration System (Regulation H)


SEC. 1008.1 Purpose 
SEC. 1008.3 Confidentiality of information 

Subpart A—General


SEC. 1008.20 Scope of this subpart 
SEC. 1008.23 Definitions 

Subpart B-Determination of State Compliance With the S.A.F.E. Act


SEC. 1008.101 Scope of this subpart 
SEC. 1008.103 Individuals required to be licensed by states 
SEC. 1008.105 Minimum loan originator license requirements 
SEC. 1008.107 Minimum annual license renewal requirements 
SEC. 1008.109 Effective date of state requirements imposed on individuals 
SEC. 1008.111 Other minimum requirements for state licensing systems 
SEC. 1008.113 Performance standards 
SEC. 1008.115 Determination of noncompliance 

Subpart C—The Bureau's Loan Originator Licensing System and Nationwide Mortgage Licensing and Registry System


SEC. 1008.201 Scope of this subpart 
SEC. 1008.203 The Bureau's establishment of loan originator licensing system 
SEC. 1008.205 The Bureau's establishment of nationwide mortgage licensing system and registry 

Subpart D—Minimum Requirements for Administration of the NMLSR


SEC. 1008.301 Scope of this subpart 
SEC. 1008.303 Financial reporting 
SEC. 1008.305 Data security 
SEC. 1008.307 Fees 
SEC. 1008.309 Absence of liability for good-faith administration [Reserved]
SEC. 1008.401 The Bureau's authority to examine loan originator records
Appendix A to Part 1008—Examples of Mortgage Loan Originator Activities
Appendix B to Part 1008—Engaging in the Business of a Loan Originator: Commercial Context and Habitualness
Appendix C to Part 1008—Independent Contractors and Loan Processor and Underwriter Activities That Require a State Mortgage Loan Originator License
Appendix D to Part 1008—Attorneys: Circumstances That Require a State Mortgage Loan Originator License

Consumer Leasing (Regulation M)


SEC. 1013.1 Authority, scope, purpose, and enforcement 
SEC. 1013.2 Definitions 
SEC. 1013.3 General disclosure requirements 
SEC. 1013.4 Content of disclosures 
SEC. 1013.5 Renegotiations, extensions, and assumptions 
SEC. 1013.6 [Reserved]
SEC. 1013.7 Advertising 
SEC. 1013.8 Record retention 
SEC. 1013.9 Relation to state laws 
Appendix A to Part 1013—Model Forms Appendix B to Part 1013 [Reserved]
Appendix C to Part 1013—Issuance of Official Interpretations 
Supplement I to Part 1013—Official Interpretations 

1016 Privacy of Consumer Financial Information (Regulation P)


SEC. 1016.1 Purpose and scope 
SEC. 1016.2 Model privacy form and examples 
SEC. 1016.3 Definitions 

Subpart A—Privacy and Opt Out Notices


SEC. 1016.4 Initial privacy notice to consumers required 
SEC. 1016.5 Annual privacy notice to customers required 
SEC. 1016.6 Information to be included in privacy notices 
SEC. 1016.7 Form of opt out notice to consumers; opt out methods 
SEC. 1016.8 Revised privacy notices 
SEC. 1016.9 Delivering privacy and opt out notices 

Subpart B—Limits on Disclosures


SEC. 1016.10 Limits on disclosure of nonpublic personal information to nonaffiliated third parties 
SEC. 1016.11 Limits on redisclosure and reuse of information 
SEC. 1016.12 Limits on sharing account number information for marketing purposes 

Subpart C—Exceptions


SEC. 1016.13 Exception to opt out requirements for service providers and joint marketing 
SEC. 1016.14 Exceptions to notice and opt out requirements for processing and servicing transactions 
SEC. 1016.15 Other exceptions to notice and opt out requirements 

Subpart D—Relation to Other Laws


SEC. 1016.16 Protection of Fair Credit Reporting Act 
SEC. 1016.17 Relation to state laws 
Appendix to Part 1016—Model Privacy Form 

Fair Credit Reporting (Regulation V)

Subpart A—General Provisions


SEC. 1022.1 Purpose, scope, and model forms and disclosures 
SEC. 1022.2 Examples 
SEC. 1022.3 Definitions 

Subpart B [Reserved]

Subpart C—Affiliate Marketing


SEC. 1022.20 Coverage and definitions 
SEC. 1022.21 Affiliate marketing opt-out and exceptions 
SEC. 1022.22 Scope and duration of opt-out 
SEC. 1022.23 Contents of opt-out notice; consolidated and equivalent notices 
SEC. 1022.24 Reasonable opportunity to opt out 
SEC. 1022.25 Reasonable and simple methods of opting out 
SEC. 1022.26 Delivery of opt-out notices 
SEC. 1022.27 Renewal of opt-out 

Subpart D—Medical Information


SEC. 1022.30 Obtaining or using medical information in connection with a determination of eligibility for credit 
SEC. 1022.31 Limits on redisclosure of information 
SEC. 1022.32 Sharing medical information with affiliates 

Subpart E—Duties of Furnishers of Information


SEC. 1022.40 Scope 
SEC. 1022.41 Definitions 
SEC. 1022.42 Reasonable policies and procedures concerning the accuracy and integrity of furnished Information 
SEC. 1022.43 Direct disputes 

Subpart F—Duties of Users Regarding Obtaining and Using Consumer Reports

SEC. 1022.50--1022.53 [Reserved]
SEC. 1022.54 Duties of users making written firm offers of credit or insurance based on information contained in consumer files SEC. 1022.55--1022.59 [Reserved]

Subpart G [Reserved]

Subpart H—Duties of Users Regarding Risk-Based Pricing


SEC. 1022.70 Scope 
SEC. 1022.71 Definitions 
SEC. 1022.72 General requirements for risk-based pricing notices 
SEC. 1022.73 Content, form, and timing of risk-based pricing notices 
SEC. 1022.74 Exceptions 
SEC. 1022.75 Rules of construction 

Subpart I—Duties of Users of Consumer Reports Regarding Identity Theft

SEC. 1022.80--1022.81[Reserved]
SEC. 1022.82 Duties of users regarding address discrepancies 

Subparts J—L [Reserved]

Subpart M—Duties of Consumer Reporting Agencies Regarding Identity Theft


SEC. 1022.120 [Reserved]
SEC. 1022.121 Active duty alerts 
SEC. 1022.122 [Reserved]
SEC. 1022.123 Appropriate proof of identity SEC. 1022.124--1022.129 [Reserved]

Subpart N—Duties of Consumer Reporting Agencies Regarding Disclosures to Consumers


SEC. 1022.130 Definitions SEC. 1022.131--1022.135 [Reserved]
SEC. 1022.136 Centralized source for requesting annual file disclosures from nationwide consumer reporting agencies 
SEC. 1022.137 Streamlined process for requesting annual file disclosures from nationwide specialty consumer reporting agencies 
SEC. 1022.138 Prevention of deceptive marketing of free credit reports 
SEC. 1022.139 [Reserved]

Subpart O—Miscellaneous Duties of Consumer Reporting Agencies


SEC. 1022.140 Prohibition against circumventing or evading treatment as a consumer reporting agency Appendix A to Part 1022 [Reserved]
Appendix B to Part 1022—Model Notices of Furnishing Negative Information 
Appendix C to Part 1022—Model Forms for Opt-Out Notices 
Appendix D to Part 1022—Model Forms for Firm Offers of Credit or Insurance 
Appendix E to Part 1022—Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Appendices F-G to Part 1022 [Reserved]
Appendix H to Part 1022—Appendix H—Model Forms for Risk-Based Pricing and Credit Score Disclosure Exception Notices 
Appendix I to Part 1022—Summary of Consumer Identity Theft Rights Appendix J to Part 1022 [Reserved]
Appendix K to Part 1022—Summary of Consumer Rights 
Appendix L to Part 1022—Standardized Form for Requesting Annual File Disclosures 
Appendix M to Part 1022—Notice of Furnisher Responsibilities 
Appendix N to Part 1022—Notice of User Responsibilities 

REAL ESTATE SETTLEMENT PROCEDURES ACT (REGULATION X)


SEC. 1024.1 Designation 
SEC. 1024.2 Definitions 
SEC. 1024.3 Questions or suggestions from public and copies of public guidance documents 
SEC. 1024.4 Reliance upon rule, regulation or interpretation by the Bureau 
SEC. 1024.5 Coverage of RESPA 
SEC. 1024.6 Special information booklet at time of loan application 
SEC. 1024.7 Good faith estimate 
SEC. 1024.8 Use of HUD-1 or HUD-1A settlement statements 
SEC. 1024.9 Reproduction of settlement statements 
SEC. 1024.10 One-day advance inspection of HUD-1 or HUD-1A settlement statement; delivery; recordkeeping 
SEC. 1024.11 Mailing 
SEC. 1024.12 No fee 
SEC. 1024.13 [Reserved] 
SEC. 1024.14 Prohibition against kickbacks and unearned fees 
SEC. 1024.15 Affiliated business arrangements 
SEC. 1024.16 Title companies 
SEC. 1024.17 Escrow accounts 
SEC. 1024.18 [Reserved] 
SEC. 1024.19 [Reserved] 
SEC. 1024.20 List of ownership counseling organizations  %6915
Appendix A to Part 1024—Instructions for Completing HUD-1 and HUD-1a Settlement Statements; Sample HUD-1 and HUD-1a Statements 
Appendix B to Part 1024—Illustrations of Requirements of RESPA 
Appendix C to Part 1024—Instructions for Completing Good Faith Estimate (GFE) Form 
Appendix D to Part 1024—Affiliated Business Arrangement Disclosure Statement Format Notice 
Appendix E to Part 1024—Arithmetic Steps 
Appendix MS-1 to Part 1024  
Appendix MS-2 to Part 1024 

1026 Truth in Lending (Regulation Z)

Subpart A—General


SEC. 1026.1 Authority, purpose, coverage, organization, enforcement, and liability 
SEC. 1026.2 Definitions and rules of construction 
SEC. 1026.3 Exempt transactions 
SEC. 1026.4 Finance charge 

Subpart B—Open-End Credit


SEC. 1026.5 General disclosure requirements 
SEC. 1026.6 Account-opening disclosures 
SEC. 1026.7 Periodic statement 
SEC. 1026.8 Identifying transactions on periodic statements 
SEC. 1026.9 Subsequent disclosure requirements 
SEC. 1026.10 Payments 
SEC. 1026.11 Treatment of credit balances; account termination 
SEC. 1026.12 Special credit card provisions 
SEC. 1026.13 Billing error resolution 
SEC. 1026.14 Determination of annual percentage rate 
SEC. 1026.15 Right of rescission 
SEC. 1026.16 Advertising 

Subpart C—Closed-End Credit


SEC. 1026.17 General disclosure requirements 
SEC. 1026.18 Content of disclosures 
SEC. 1026.19 Certain mortgage and variable-rate transactions 
SEC. 1026.20 Disclosure requirements regarding post-consummation events 
SEC. 1026.21 Treatment of credit balances
SEC. 1026.22 Determination of annual percentage rate 
SEC. 1026.23 Right of rescission
SEC. 1026.24 Advertising 

Subpart D—Miscellaneous


SEC. 1026.25 Record retention 
SEC. 1026.26 Use of annual percentage rate in oral disclosures 
SEC. 1026.27 Language of disclosures 
SEC. 1026.28 Effect on state laws 
SEC. 1026.29 State exemptions 
SEC. 1026.30 Limitation on rates 

Subpart E—Special Rules for Certain Home Mortgage Transactions


SEC. 1026.31 General rules 
SEC. 1026.32 Requirements for certain high cost mortgages 
SEC. 1026.33 Requirements for reverse mortgages 
SEC. 1026.34 Prohibited acts or practices in connection with high-cost Mortgages 
SEC. 1026.35 Prohibited acts or practices in connection with higher-priced mortgage loans 
SEC. 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling SEC. 1026.37--1026.38 [Reserved]
SEC. 1026.39 Mortgage transfer disclosures 
SEC. 1026.40 Requirements for home equity plans 
SEC. 1026.41 Periodic statements for residential mortgage loans
SEC. 1026.42 Valuation independence 
SEC. 1026.43 Minimum standards for transactions secured by a dwellingSEC. 1026.44--1026.45 [Reserved]

Subpart F—Special Rules for Private Education Loans


SEC. 1026.46 Special disclosure requirements for private education loans 
SEC. 1026.47 Content of disclosures 
SEC. 1026.48 Limitations on private education loans 

Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students


SEC. 1026.51 Ability to Pay 
SEC. 1026.52 Limitations on fees 
SEC. 1026.53 Allocation of payments 
SEC. 1026.54 Limitations on the imposition of finance charges 
SEC. 1026.55 Limitations on increasing annual percentage rates, fees, and charges 
SEC. 1026.56 Requirements for over-the-limit transactions 
SEC. 1026.57 Reporting and marketing rules for college student open-end credit 
SEC. 1026.58 Internet posting of credit card agreements 
SEC. 1026.59 Reevaluation of rate increases 
SEC. 1026.60 Credit and charge card applications and solicitations 
Appendix A to Part 1026—Effect on State Laws 
Appendix B to Part 1026—State Exemptions 
Appendix C to Part 1026—Issuance of Official Interpretations 
Appendix D to Part 1026—Multiple Advance Construction Loans 
Appendix E to Part 1026—Rules for Card Issuers That Bill on a Transaction-by-Transaction Basis 
Appendix F to Part 1026—Optional Annual Percentage Rate Computations for Creditors Offering Open-End Credit Plans Secured by a Consumer's Dwelling 
Appendix G to Part 1026—Open-End Model Forms and Clauses 
Appendix H to Part 1026— Closed-End Model Forms and Clauses Appendix I to Part 1026--[Reserved]
Appendix J to Part 1026—Annual Percentage Rate Computations for Closed-End Credit Transactions 
Appendix K to Part 1026—Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions 
Appendix L to Part 1026—Assumed Loan Periods for Computations of Total Annual Loan Cost Rates 
Appendix M1 to Part 1026—Repayment Disclosures 
Appendix M2 to Part 1026—Sample Calculations of Repayment Disclosures 
Supplement I to Part 1026—Official Interpretations 

1030 Truth in Savings (Regulation DD)


SEC. 1030.1 Authority, purpose, coverage, and effect on state laws 
SEC. 1030.2 Definitions 
SEC. 1030.3 General disclosure requirements 
SEC. 1030.4 Account disclosures 
SEC. 1030.5 Subsequent disclosures 
SEC. 1030.6 Periodic statement disclosures 
SEC. 1030.7 Payment of interest 
SEC. 1030.8 Advertising 
SEC. 1030.9 Enforcement and record retention 
SEC. 1030.10 [Reserved]
SEC. 1030.11 Additional disclosure requirements for overdraft services 
Appendix A to Part 1030—Annual Percentage Yield Calculation 
Appendix B to Part 1030—Model Clauses and Sample Forms 
Appendix C to Part 1030—Effect on State Laws 
Appendix D to Part 1030—Issuance of Official Interpretations 
Supplement I to Part 1030—Official Interpretations 


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