Regulatory Calendar

Effective Date	Implementing Regulation	Regulatory Change	Outlook Article/Webinar
1/1/2012	Reg. Z	Annual adjustment of fee-based trigger for HOEPA loans
1/1/2012	Regs. Z and M	Annual adjustment of dollar threshold for exempt consumer credit and lease transactions
		CFPB solicits comments on streamlining regulations
*	24 CFR Part 100	HUD proposal for uniform standards for identifying disparate impact discrimination under the FHA
10/17/2011	Reg. H	Revised interagency Q&A regarding flood insurance and new proposed questions on forced placement
10/1/2011	Reg. II	Final rule on debit card interchange fees and network exclusivity arrangements
10/1/2011	Reg. Z	Clarification of Credit CARD Act regulations
8/15/2011	Reg. V	Final rule to implement Dodd-Frank credit score disclosure requirement for risk-based pricing notices	Q3 2011
8/15/2011	Reg. B	Amended model ECOA/FCRA adverse action notice that includes Dodd-Frank Act credit score disclosure requirements
7/29/2011	SAFE Act	Deadline for mortgage loan originators employed by regulated institutions to register with SAFE Act registry
7/22/2011	Reg. D	CFPB interim final rule from under AMTPA to authorize state-chartered or licensed creditors to continue making mortgage transactions under parity with federal law
7/21/2011	Regs. Z and M	Increase in transaction coverage for Regulations Z and M from $25,000 to $50,000	Q3 2011
7/21/2011	Reg. II	List of institutions subject to, and exempt from, debit card interchange fee standards
7/21/2011	Reg. Q	Final rule repealing Reg. Q (prohibiting interest on demand deposits for member banks of the Federal Reserve System)
*	Dodd-Frank Act	CFPB seeks comment on rulemaking defining larger participants in certain consumer financial products and services markets
*	Reg. RR	Proposal to implement Dodd-Frank provision defining "qualified residential mortgage" for purposes of securitization risk retention
*	Reg. Z	Proposal to implement Dodd-Frank provisions establishing ability-to-repay requirements for mortgages and limitations on prepayment penalties	W
*	Reg. E	Proposal to implement Dodd-Frank provision creating new consumer protections for remittance transfers
*	Reg. CC	Proposal to amend Regulation CC regarding collection of checks and availability of funds
*	Reg. B	Final rule clarifying that motor vehicle dealers do not have to collect and report ECOA data until implementing regulations are issued
*	CRA	New list of distressed or underserved nonmetropolitan middle-income geographies
5/1/2011	31 C.F.R. Part 212	Agencies issue interim final rule for garnishment restrictions of federal benefit payments paid by direct deposit.
4/1/2011	Reg. Z	Final rule establishing escrow requirements for HPML jumbo mortgages
4/1/2011	Reg. Z	Final rule establishing restrictions on loan steering and loan originator compensation	W
4/1/2011	Reg. Z	Interim final rule for appraisal independence requirements	Q3 2011
*	Reg. Z	Proposal to lengthen escrow periods for HPMLs and exempt certain creditors from escrow requirements
1/30/2011	Reg. Z	Revised MDIA interim rule for mortgage loans with variable rates or payments
1/19/2011	Reg. BB	CRA credit for certain Neighborhood Stabilization Program activities	W
1/1/2011	Reg. V	Risk-based pricing notices	Q4 2010 & W
1/1/2011	Reg. Z	Required notice to borrower when mortgage is sold or transferred
1/1/2011	Reg. Z	HOEPA trigger amounts revised for 2011
1/1/2011	Reg. BB	Annual CRA asset-size threshold adjustment
1/1/2011	Reg. C	Annual HMDA asset-size exemption
12/31/2010	Reg. P	New model privacy form and safe harbor
11/3/2010	Reg. BB	CRA credit for institutions making low-cost education loans to low-income borrowers
10/1/2010	Reg. Z	HPML escrow requirements for manufactured homes
10/1/2010	SAFE Act	Registration requirement for mortgage loan originators
*Rulemaking proposals generally do not have an effective date, except for some of the proposed Dodd-Frank Act implementing regulations because Congress specified the effective date in the legislation. Agency requests for information also do not have effective dates.

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Last update: December 30, 2011