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Regulatory Hot Topics for 2020

Regulatory Hot Topics for 2020

The following Regulatory Hot Topics for 2020 are those issued by the various federal banking agencies in that year (in alphabetical order) such as the Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve, Office of the Comptroller of the Currency (OCC), or other federal regulatory bodies that may apply to your bank, credit union, fintech company, or other type of financial institution that resulted in a revision to one or more of our products.  Click on any of the tabs below of a particular agency to see detailed subject matter regarding the regulatory release and the related product update.

NOTE:  The dates of the regulatory releases are displayed by the year when the guidance was issued - not the effective date of the guidance.

CFPB

CFPB Issues Credit Reporting Guidance During COVID-19 Pandemic

UPDATE

Fair Credit Reporting Act Policy


CFPB Issues Interim Final Rule on Loss Mitigation Options for Homeowners Recovering from Pandemic-Related Financial Hardships

UPDATES

Mortgage Servicing Policy
Regulation X Policy


Consumer Financial Protection Bureau Issues Final Remittance Rule

UPDATE

Regulation E Policy


Consumer Financial Protection Bureau Issues Final Rule on Small Dollar Lending

UPDATES

Consumer Loan Policy
Payday, Vehicle Title, and High-Cost Installment Loan Policy


Consumer Financial Protection Bureau Issues Final Rule to Implement the Fair Debt Collection Practices Act

UPDATE

Fair Debt Collection Practices Act Policy


Debt Collection Practices (Regulation F)

UPDATE

Fair Debt Collection Practices Act Policy


Handling of Information and Documents During Mortgage Servicing Transfers

UPDATES

Mortgage Servicing Policy
Regulation X Policy


Home Mortgage Disclosure (Regulation C) Final Rule

UPDATE

Regulation C Policy


Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z): Extension of Sunset Date

UPDATE

Regulation Z Policy


Qualified Mortgage under the Truth in Lending Act (Regulation Z): General QM Loan Definition

UPDATE

Regulation Z Policy


Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z): Seasoned Loan QM Definition

UPDATE

Regulation Z Policy


Responsible Business Conduct: Self-Assessing, Self-Reporting, Remediating, and Cooperating

UPDATE

Compliance Management Policy


 

FinCEN
Joint Release
OCC

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