CINXE.COM

Rules & Policy | Consumer Financial Protection Bureau

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We carefully assess the benefits and costs of the regulations we are considering for consumers and financial institutions. Proposed rules are generally published to give industry, consumers, and other external stakeholders an opportunity to comment on their potential impact. Once a regulation is in place, we provide support and resources to help stakeholders understand and comply with the rule.</p> </section> <aside class="o-sidebar-breakout__col content-l__col content-l__col-1-3 block block--flush-bottom"> <header class="m-slug-header"> <h2 class="m-slug-header__heading"> Related tools </h2> </header> <div class="o-sidebar-breakout__img-container "> <div class="o-sidebar-breakout__img" style="background-image:url( https://files.consumerfinance.gov/f/images/Regulation_rulemaking_graphic_X7myL9N.original.png )"> </div> </div> <div class="o-sidebar-breakout__text-container"> <h4 class="o-sidebar-breakout__text-heading"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--settings" viewBox="0 0 17 19"><path d="M16.014 8.86v1.44a.59.59 0 0 1-.468.556l-1.182.204a.5.5 0 0 1-.114.006 6 6 0 0 1-.634 1.528.5.5 0 0 1 .078.084l.691.98a.586.586 0 0 1-.062.725l-1.02 1.02a.586.586 0 0 1-.724.061l-.98-.69a.4.4 0 0 1-.085-.078 6 6 0 0 1-1.544.637.5.5 0 0 1 0 .175l-.182 1.053a.67.67 0 0 1-.633.532h-1.31a.67.67 0 0 1-.633-.532l-.182-1.053a.5.5 0 0 1 0-.175 6 6 0 0 1-1.544-.637.4.4 0 0 1-.085.077l-.98.691a.586.586 0 0 1-.725-.062l-1.02-1.02a.586.586 0 0 1-.061-.723l.691-.98a.5.5 0 0 1 .077-.085 6 6 0 0 1-.633-1.528.5.5 0 0 1-.114-.006l-1.182-.204a.586.586 0 0 1-.468-.556V8.86a.586.586 0 0 1 .468-.556L2.636 8.1a.4.4 0 0 1 .114-.005 6 6 0 0 1 .633-1.528.5.5 0 0 1-.077-.085l-.691-.98a.59.59 0 0 1 .061-.724l1.02-1.02a.59.59 0 0 1 .725-.062l.98.691a.4.4 0 0 1 .085.078 6 6 0 0 1 1.528-.634.4.4 0 0 1 .005-.114l.204-1.182a.586.586 0 0 1 .556-.468h1.442a.586.586 0 0 1 .556.468l.204 1.182a.5.5 0 0 1 .005.114 6 6 0 0 1 1.528.634.4.4 0 0 1 .085-.078l.98-.691a.586.586 0 0 1 .724.062l1.02 1.02a.586.586 0 0 1 .062.724l-.691.98a.5.5 0 0 1-.078.085 6 6 0 0 1 .634 1.528.4.4 0 0 1 .114.005l1.182.204a.59.59 0 0 1 .468.556m-4.955.72a2.559 2.559 0 1 0-2.56 2.56 2.56 2.56 0 0 0 2.56-2.56"/></svg> Interactive Bureau Regulations </h4> <p class="o-sidebar-breakout__text-body"> Interactive Bureau Regulations makes regulations easier to read and navigate by bringing related information and regulatory history together with the rule text. The tool is a work in progress and may not yet contain all regulations implemented by the Bureau. </p> </div> <p class="o-sidebar-breakout__text-body"> <p data-block-key="mcatj"><a href="/rules-policy/regulations/">Explore Interactive Bureau Regulations</a></p> </p> </aside> </div> </div> </div> <div class="content__line"></div> </div> <div class="u-layout-grid__wrapper"> <div class="u-layout-grid__main"> <div class="block block--flush-top"> <div class="o-info-unit-group" > <div class="content-l"> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="rulemaking">Rulemaking</h3> </div><div class="m-info-unit__content"> <p data-block-key="obyt6">The CFPB aims to makes rules governing consumer finance markets more effective and to create new rules when warranted. Explore the CFPB’s regulatory agenda, rules currently in development, and final rules. You can also learn about how the CFPB works with the Small Business Review Panel on rules that could have significant economic impacts on small entities.</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/rules-policy/regulatory-agenda/"> <span class="a-link__text">Browse current and archived regulatory agendas</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="/rules-policy/rules-under-development/"> <span class="a-link__text">Browse rules under development</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="/rules-policy/final-rules/"> <span class="a-link__text">Browse final rules</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="/rules-policy/small-business-review-panels/"> <span class="a-link__text">Learn about CFPB small business review panels</span> </a> </li> </ul> </div> </div> </div> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="notices-and-opportunities-to-comment">Notices and opportunities to comment</h3> </div><div class="m-info-unit__content"> <p data-block-key="55hmh">The CFPB publishes notices requesting public comment on a variety of documents, including proposed rules and requests for information. You don’t have to be an expert or a lawyer to give comments. We invite everyone to share their views.</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/rules-policy/notice-opportunities-comment/"> <span class="a-link__text">Browse notices for comment</span> </a> </li> </ul> </div> </div> </div> </div> <div class="content-l"> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="competition-and-innovation">Competition and Innovation</h3> </div><div class="m-info-unit__content"> <p data-block-key="iwbwd">Encouraging consumer-beneficial competition is one of our key priorities. Our mission is to promote competition in financial services.</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/rules-policy/innovation/"> <span class="a-link__text">Learn more about our innovation programs</span> </a> </li> </ul> </div> </div> </div> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="petitions-for-rulemaking">Petitions for rulemaking</h3> </div><div class="m-info-unit__content"> <p data-block-key="6o2d6">The CFPB responds to petitions from interested persons for the issuance, amendment, or repeal of a CFPB rule, as required by the Administrative Procedure Act.</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/rules-policy/petitions-rulemaking/"> <span class="a-link__text">Browse petitions for rulemaking</span> </a> </li> </ul> </div> </div> </div> </div> <div class="content-l"> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="advisory-committees">Advisory committees</h3> </div><div class="m-info-unit__content"> <p data-block-key="59ny6">The CFPB convenes four independent groups for formal input on everything from consumer engagement, to policy development, to research.</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/rules-policy/advisory-committees/"> <span class="a-link__text">Learn about CFPB Advisory Committees</span> </a> </li> </ul> </div> </div> </div> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="community-banks-and-credit-unions">Community banks and credit unions</h3> </div><div class="m-info-unit__content"> <p data-block-key="mjwqd">We work with community banks and credit unions to ensure consumers can choose among a variety of products, services, and financial relationships. 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