The Mortgage Bankers Association petitioned the CFPB to issue a rule amending the early intervention and loss mitigation requirements of Real Estate Settlement Procedures Act (Regulation X).
Petitions for rulemaking
We respond to petitions from interested persons for the issuance, amendment, or repeal of a CFPB rule, as required by the Administrative Procedure Act.
Submitting a petition
You can submit your petitions for rulemaking by emailing email@example.com.
In addition, you may also submit petitions by mail, hand delivery, or courier to:
Rulemaking Petitions Docket
Consumer Financial Protection Bureau
1700 G Street NW, Washington, D.C. 20552
To ensure proper handling, we recommend that you submit petitions for rulemaking only through these methods. We also recommend that you state that it is a petition under section 553(e) of the Administrative Procedure Act. To assist us in our review and consideration of your petition, we recommend that you include the following information with your submission:
- Your contact information (full name, address, telephone number, email address)
- The type of action you are requesting (e.g., whether the CFPB should issue a new rule or repeal or amend an existing rule)
- The factual and legal reasons for the proposed action
- The expected effects the proposed action will have on relevant parties (e.g., consumers, industry, enforcement authorities)
All petitions, including attachments and other supporting materials, will become part of the public record and subject to public disclosure. Proprietary information or sensitive personal information, such as account numbers or Social Security numbers, or names of other individuals, should not be included. Petitions will not be edited to remove any identifying or contact information.
The CFPB may, in its discretion, decide not to post submissions and other materials, or portions thereof, including the following:
- Duplicate identical submissions (submitted by the same submitter(s) through different means)
- Copyrighted material owned by someone other than the submitter
- Confidential business information (CBI)
- Spam submissions
- Threats of harm or violence
- Submissions that are disavowed by the named author or submitter
Submissions that are posted and assigned a docket number will be considered petitions and receive a final response.
Links to petitions we have received appear below. As new petitions are added, members of the public may comment on petitions by following instructions at those links.
Community Catalyst petitioned the CFPB to issue a rule under the Fair Credit Reporting Act (FCRA) prohibiting the appearance of all medical debt on consumer credit reports.
Community Catalyst petitioned the CFPB to issue a rule under the Credit Card Accountability and Disclosure Act of 2009 (the CARD Act) to eliminate and restrict deferred-interest medical credit cards.
Timothy Trogdon petitioned the CFPB to issue a rule requiring Credit Bureaus to freeze credit in certain circumstances.
The National Consumer Law Center (NCLC) petitioned the CFPB.
NCLC, et al. petitioned the CFPB.
CRL/CBA petitioned the CFPB.
Elaine Roberts Musser petitioned the CFPB.
American Bankers Association, et al. petitioned the CFPB.
Michael Fontanetta petitioned the CFPB.
Brian Samples petitioned the CFPB.
NCRC petitioned the CFPB.
David Addington petitioned the CFPB.
John Burnett petitioned the CFPB.
Dimitry Shkipin petitioned the CFPB.
William Kidwell petitioned the CFPB.
J. Patrick Altes petitioned the CFPB.
Pablo Alvarez petitioned the CFPB.
Todd Ewing petitioned the CFPB.
Nell McClung petitioned the CFPB.
Judy Young petitioned the CFPB.
Peter Krall petitioned the CFPB regarding dealer-sold guaranteed asset protection (GAP) refunds. The CFPB responded to the petition on March 10, 2023.
The New Civil Liberties Alliance (NCLA) petitioned the CFPB regarding agency guidance documents. The CFPB responded to the petition on November 13, 2020.
Advance Financial petitioned the CFPB regarding the CFPB’s regulation governing Payday, Vehicle Title, and Certain High-Cost Installment Loans.
The Bank Policy Institute (BPI) and American Bankers Association (ABA) petitioned the CFPB regarding the role of supervisory guidance. The CFPB responded to the petition on November 13, 2020.