Code of Federal Regulations - Aerospace Consulting

Title 12

Banks and Banking

Part / Section

Chapter X

Consumer Financial Protection Bureau

1000 – 1099

Part 1000

Part 1000 [Reserved]

Part 1001

Financial Products or Services

1001.1 – 1001.2

§ 1001.1	Authority and purpose.
§ 1001.2	Definitions.

Part 1002

Equal Credit Opportunity Act (Regulation B)

1002.1 – 1002.16

§ 1002.1	Authority, scope and purpose.
§ 1002.2	Definitions.
§ 1002.3	Limited exceptions for certain classes of transactions.
§ 1002.4	General rules.
§ 1002.5	Rules concerning requests for information.
§ 1002.6	Rules concerning evaluation of applications.
§ 1002.7	Rules concerning extensions of credit.
§ 1002.8	Special purpose credit programs.
§ 1002.9	Notifications.
§ 1002.10	Furnishing of credit information.
§ 1002.11	Relation to state law.
§ 1002.12	Record retention.
§ 1002.13	Information for monitoring purposes.
§ 1002.14	Rules on providing appraisals and other valuations.
§ 1002.15	Incentives for self-testing and self-correction.
§ 1002.16	Enforcement, penalties and liabilities.
Subpart B	XXX
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
Appendix E to Part 1002 XXX
Appendix F to Part 1002 XXX
Supplement I to Part 1002 Official Interpretations

Part 1003

Home Mortgage Disclosure (Regulation C)

1003.1 – 1003.6

§ 1003.1	Authority, purpose, and scope.
§ 1003.2	Definitions.
§ 1003.3	Exempt institutions and excluded and partially exempt transactions.
§ 1003.4	Compilation of reportable data.
§ 1003.5	Disclosure and reporting.
§ 1003.6	Enforcement.
Appendix A to Part 1003	Appendix A to Part 1003 [Reserved]
Appendix B to Part 1003 Form and Instructions for Data Collection on Ethnicity, Race, and Sex
Appendix C to Part 1003 Procedures for Generating a Check Digit and Validating a ULI
Supplement I to Part 1003 Official Interpretations

Part 1004

Alternative Mortgage Transaction Parity (Regulation D)

1004.1 – 1004.4

§ 1004.1	Authority, purpose, and scope.
§ 1004.2	Definitions.
§ 1004.3	Preemption of State law.
§ 1004.4	Requirements for alternative mortgage transactions.
Appendix A to Part 1004 Official Commentary on Regulation D

Part 1005

Electronic Fund Transfers (Regulation E)

1005.1 – 1005.36

Subpart A	General	1005.1 – 1005.20
Subpart B	Requirements for Remittance Transfers	1005.30 – 1005.36
Appendix A to Part 1005 Model Disclosure Clauses and Forms
Appendix B to Part 1005	Appendix B to Part 1005 [Reserved]
Appendix C to Part 1005 Issuance of Official Interpretations
Supplement I to Part 1005 Official Interpretations

Part 1006

Debt Collection Practices (Regulation F)

1006.1 – 1006.108

Subpart A	General	1006.1 – 1006.2
Subpart B	Rules for FDCPA Debt Collectors	1006.6 – 1006.42
Subpart C	Subpart C [Reserved]
Subpart D	Miscellaneous	1006.100 – 1006.108
Appendix A to Part 1006 Procedures for State Application for Exemption From the Provisions of the Act
Appendix B to Part 1006 Model Forms
Appendix C to Part 1006 Issuance of Advisory Opinions
Supplement I to Part 1006 Official Interpretations

Part 1007

S.A.F.E. Mortgage Licensing Act—Federal Registration of Residential Mortgage Loan Originators (Regulation G)

1007.101 – 1007.105

§ 1007.101	Authority, purpose, and scope.
§ 1007.102	Definitions.
§ 1007.103	Registration of mortgage loan originators.
§ 1007.104	Policies and procedures.
§ 1007.105	Use of unique identifier.
Appendix A to Part 1007 Examples of Mortgage Loan Originator Activities

Part 1008

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

1008.1 – 1008.405

§ 1008.1	Purpose.
§ 1008.3	Confidentiality of information.
Subpart A	General	1008.20 – 1008.23
Subpart B	Determination of State Compliance With the S.A.F.E. Act	1008.101 – 1008.115
Subpart C	The Bureau's Loan Originator Licensing System and Nationwide Mortgage Licensing and Registry System	1008.201 – 1008.205
Subpart D	Minimum Requirements for Administration of the NMLSR	1008.301 – 1008.309
Subpart E	Enforcement of the Bureau's Licensing System	1008.401 – 1008.405
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

Part 1009

Disclosure Requirements for Depository Institutions Lacking Federal Deposit Insurance (Regulation I)

1009.1 – 1009.7

§ 1009.1	Scope.
§ 1009.2	Definitions.
§ 1009.3	Disclosures in periodic statements and account records.
§ 1009.4	Disclosures in advertising and on the premises.
§ 1009.5	Disclosure acknowledgment.
§ 1009.6	Exception for certain depository institutions.
§ 1009.7	Enforcement.

Part 1010

Land Registration (Regulation J)

1010.1 – 1010.559

Subpart A	General Requirements	1010.1 – 1010.45
Subpart B	Reporting Requirements	1010.100 – 1010.310
Subpart C	Certification of Substantially Equivalent State Law	1010.500 – 1010.559
Appendix A to Part 1010 Standard and Model Forms and Clauses

Part 1011

Purchasers' Revocation Rights, Sales Practices and Standards (Regulation K)

1011.1 – 1011.50

Subpart A	Purchasers' Revocation Rights	1011.1 – 1011.5
Subpart B	Sales Practices and Standards	1011.10 – 1011.30
Subpart C	Advertising Disclaimers	1011.50

Part 1012

Special Rules of Practice (Regulation L)

1012.30 – 1012.239

Subpart A	Subpart A [Reserved]
Subpart B	Filing Assistance	1012.30 – 1012.40
Subpart C	Subpart C [Reserved]
Subpart D	Adjudicatory Proceedings	1012.105 – 1012.239

Part 1013

Consumer Leasing (Regulation M)

1013.1 – 1013.9

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

Part 1014

Mortgage Acts and Practices—Advertising (Regulation N)

1014.1 – 1014.7

§ 1014.1	Scope of regulations in this part.
§ 1014.2	Definitions.
§ 1014.3	Prohibited representations.
§ 1014.4	Waiver not permitted.
§ 1014.5	Recordkeeping requirements.
§ 1014.6	Actions by states.
§ 1014.7	Severability.

Part 1015

Mortgage Assistance Relief Services (Regulation O)

1015.1 – 1015.11

§ 1015.1	Scope of regulations in this part.
§ 1015.2	Definitions.
§ 1015.3	Prohibited representations.
§ 1015.4	Disclosures required in commercial communications.
§ 1015.5	Prohibition on collection of advance payments and related disclosures.
§ 1015.6	Assisting and facilitating.
§ 1015.7	Exemptions.
§ 1015.8	Waiver not permitted.
§ 1015.9	Recordkeeping and compliance requirements.
§ 1015.10	Actions by states.
§ 1015.11	Severability.

Part 1016

Privacy of Consumer Financial Information (Regulation P)

1016.1 – 1016.17

§ 1016.1	Purpose and scope.
§ 1016.2	Model privacy form and examples.
§ 1016.3	Definitions.
Subpart A	Privacy and Opt Out Notices	1016.4 – 1016.9
Subpart B	Limits on Disclosures	1016.10 – 1016.12
Subpart C	Exceptions	1016.13 – 1016.15
Subpart D	Relation to Other Laws	1016.16 – 1016.17
Appendix to Part 1016 Model Privacy Form

Part 1022

Fair Credit Reporting (Regulation V)

1022.1 – 1022.142

Subpart A	General Provisions	1022.1 – 1022.3
Subpart B	Subpart B [Reserved]
Subpart C	Affiliate Marketing	1022.20 – 1022.27
Subpart D	Medical Information	1022.30 – 1022.32
Subpart E	Duties of Furnishers of Information	1022.40 – 1022.43
Subpart F	Duties of Users Regarding Obtaining and Using Consumer Reports	1022.50 – 1022.59
Subpart G	Subpart G [Reserved]
Subpart H	Duties of Users Regarding Risk-Based Pricing	1022.70 – 1022.75
Subpart I	Duties of Users of Consumer Reports Regarding Identity Theft	1022.80 – 1022.82
Subparts J-L	Subparts J-L [Reserved]
Subpart M	Duties of Consumer Reporting Agencies Regarding Identity Theft	1022.120 – 1022.129
Subpart N	Duties of Consumer Reporting Agencies Regarding Disclosures to Consumers	1022.130 – 1022.139
Subpart O	Miscellaneous Duties of Consumer Reporting Agencies	1022.140 – 1022.142
Appendix A to Part 1022	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
Appendixes F-G to Part 1022	Appendixes F-G to Part 1022 [Reserved]
Appendix H to Part 1022 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	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
Appendix O to Part 1022 Reasonable Charges for Certain Disclosures

Part 1024

Real Estate Settlement Procedures Act (Regulation X)

1024.1 – 1024.41

Subpart A	General Provisions	1024.1 – 1024.5
Subpart B	Mortgage Settlement and Escrow Accounts	1024.6 – 1024.20
Subpart C	Mortgage Servicing	1024.30 – 1024.41
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 to Part 1024 Mortgage Servicing
Appendix MS-1 to Part 1024 Appendix MS-1 to Part 1024
Appendix MS-2 to Part 1024 Appendix MS-2 to Part 1024
Appendix MS-3 to Part 1024 Appendix MS-3 to Part 1024
Appendix MS-4 to Part 1024 Model Clauses for the Written Early Intervention Notice
Supplement I to Part 1024 Official Bureau Interpretations

Part 1025

Part 1025 [Reserved]

Part 1026

Truth in Lending (Regulation Z)

1026.1 – 1026.61

Subpart A	General	1026.1 – 1026.4
Subpart B	Open-End Credit	1026.5 – 1026.16
Subpart C	Closed-End Credit	1026.17 – 1026.24
Subpart D	Miscellaneous	1026.25 – 1026.30
Subpart E	Special Rules for Certain Home Mortgage Transactions	1026.31 – 1026.45
Subpart F	Special Rules for Private Education Loans	1026.46 – 1026.48
Subpart G	Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students	1026.51 – 1026.61
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	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
Appendix N to Part 1026 Higher-Priced Mortgage Loan Appraisal Safe Harbor Review
Appendix O to Part 1026 Illustrative Written Source Documents for Higher-Priced Mortgage Loan Appraisal Rules
Appendix P to Part 1026	Appendix P to Part 1026 [Reserved]
Supplement I to Part 1026 Official Interpretations

Part 1030

Truth in Savings (Regulation DD)

1030.1 – 1030.11

§ 1030.1	Authority, purpose, coverage, and effect on state laws.
§ 1030.2	Definitions.
§ 1030.3	General disclosure requirements.
§ 1030.4	Account disclosures.
§ 1030.5	Subsequent disclosures.
§ 1030.6	Periodic statement disclosures.
§ 1030.7	Payment of interest.
§ 1030.8	Advertising.
§ 1030.9	Enforcement and record retention.
§ 1030.10	§ 1030.10 [Reserved]
§ 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

Part 1041

Payday, Vehicle Title, and Certain High-Cost Installment Loans

1041.1 – 1041.15

Subpart A	General	1041.1 – 1041.3
Subpart B	Subpart B [Reserved]
Subpart C	Payments	1041.7 – 1041.9
Subpart D	Recordkeeping, Anti-Evasion, Severability, and Dates	1041.10 – 1041.15
Appendix A to Part 1041 Model Forms
Supplement I to Part 1041 Official Interpretations

Part 1070

Disclosure of Records and Information

1070.1 – 1070.63

Subpart A	General Provisions and Definitions	1070.1 – 1070.5
Subpart B	Freedom of Information Act	1070.10 – 1070.23
Subpart C	Disclosure of CFPB Information in Connection with Legal Proceedings	1070.30 – 1070.37
Subpart D	Confidential Information	1070.40 – 1070.48
Subpart E	Privacy Act	1070.50 – 1070.63

Part 1071

Rule Implementing Equal Access to Justice Act

1071.100 – 1071.309

Subpart A	General	1071.100 – 1071.106
Subpart B	Information Required from Applicants	1071.200 – 1071.203
Subpart C	Procedures for Considering Applications	1071.300 – 1071.309

Part 1072

Enforcement of Nondiscrimination on the Basis of Disability in Programs and Activities Conducted by the Bureau of Consumer Financial Protection

1072.101 – 1072.112

§ 1072.101	Purpose.
§ 1072.102	Application.
§ 1072.103	Definitions.
§ 1072.104	Review of compliance.
§ 1072.105	Notice.
§ 1072.106	General prohibitions against discrimination.
§ 1072.107	Employment.
§ 1072.108	Program accessibility: Discrimination prohibited.
§ 1072.109	Program accessibility: Existing facilities.
§ 1072.110	Program accessibility: New construction and alterations.
§ 1072.111	Communications.
§ 1072.112	Compliance procedures.

Part 1073

Procedures for Bureau Debt Collection

1073.101 – 1073.501

Subpart A	Scope, Purpose, and Definitions	1073.101 – 1073.103
Subpart B	Administrative Offset	1073.201 – 1073.210
Subpart C	Salary Offset	1073.301 – 1073.312
Subpart D	Administrative Wage Garnishment	1073.401
Subpart E	Tax Refund Offset	1073.501

Part 1074

Rulemaking and Guidance

1074.1 – 1074.3

Subpart A	Procedure for Issuance of Bureau Rules	1074.1
Subpart B	Use of Supervisory Guidance	1074.2 – 1074.3
Appendix A to Part 1074 Statement Clarifying the Role of Supervisory Guidance

Part 1075

Consumer Financial Civil Penalty Fund Rule

1075.100 – 1075.110

§ 1075.100	Scope and purpose.
§ 1075.101	Definitions.
§ 1075.102	Fund administrator.
§ 1075.103	Eligible victims.
§ 1075.104	Payments to victims.
§ 1075.105	Allocating funds from the Civil Penalty Fund—in general.
§ 1075.106	Allocating funds to classes of victims.
§ 1075.107	Allocating funds to consumer education and financial literacy programs.
§ 1075.108	Distributing payments to victims.
§ 1075.109	When payments to victims are impracticable.
§ 1075.110	Reporting requirements.

Part 1076

Claims Against the United States

1076.101

§ 1076.101

Claims against a Bureau employee based on negligence, wrongful act or omission.

Part 1080

Rules Relating to Investigations

1080.1 – 1080.14

§ 1080.1	Scope.
§ 1080.2	Definitions.
§ 1080.3	Policy as to private controversies.
§ 1080.4	Initiating and conducting investigations.
§ 1080.5	Notification of purpose.
§ 1080.6	Civil investigative demands.
§ 1080.7	Investigational hearings.
§ 1080.8	Withholding requested material.
§ 1080.9	Rights of witnesses in investigations.
§ 1080.10	Noncompliance with civil investigative demands.
§ 1080.11	Disposition.
§ 1080.12	Orders requiring witnesses to testify or provide other information and granting immunity.
§ 1080.13	Custodians.
§ 1080.14	Confidential treatment of demand material and non-public nature of investigations.

Part 1081

Rules of Practice for Adjudication Proceedings

1081.100 – 1081.502

Subpart A	General Rules	1081.100 – 1081.121
Subpart B	Initiation of Proceedings and Prehearing Rules	1081.200 – 1081.216
Subpart C	Hearings	1081.300 – 1081.306
Subpart D	Decision and Appeals	1081.400 – 1081.408
Subpart E	Temporary Cease-and-Desist Proceedings	1081.500 – 1081.502

Part 1082

State Official Notification Rules

1082.1

§ 1082.1

Procedures for notifying the Bureau of Consumer Financial Protection when a State Official takes an action to enforce title X of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act of 2010.

Part 1083

Civil Penalty Adjustments

1083.1

§ 1083.1

Adjustment of civil penalty amounts.

Part 1090

Defining Larger Participants of Certain Consumer Financial Product and Service Markets

1090.100 – 1090.108

Subpart A	General	1090.100 – 1090.103
Subpart B	Markets	1090.104 – 1090.108

Part 1091

Procedural Rule to Establish Supervisory Authority over Certain Nonbank Covered Persons Based on Risk Determination

1091.100 – 1091.115

Subpart A	General	1091.100 – 1091.101
Subpart B	Determination and Voluntary Consent Procedures	1091.102 – 1091.112
Subpart C	Post-Determination Procedures	1091.113
Subpart D	Time Limits and Deadlines	1091.114 – 1091.115

Parts 1092-1099

Parts 1092-1099 [Reserved]