2012 Rulemakings Published in the Federal Register
Consumer Financial Protection Bureau (CFPB)
February 28: Impacts of Overdraft Programs on Consumers
March 13:new Streamlining Inherited Regulations
April 3:new Fair Credit Reporting Act Disclosures
April 12:new Truth in Lending (Regulation Z)
April 25:new Impact of Overdraft Programs on Consumers
April 27:new Supplemental Standards of Ethical Conduct for Employees of the Bureau of Consumer Financial Protection
May 10:new Notice of Proposed Privacy Act System of Records
May 24:new Electronic Fund Transfers (Regulation E)
June 5:new Truth in Lending (Regulation Z)
June 13:new Establishment of Privacy Act System of Records
June 19:new Request for Information Regarding Senior Financial Exploitation
June 22:new Disclosure of Consumer Complaint Data
June 22:new Disclosure of Certain Credit Card Complaint Data
June 29:new Equal Access to Justic Act Implementation Rule
June 29:new State Official Notification Rule
June 29:new Rules Relating to Investigations
June 29:new Rules of Practice for Adjudication Proceedings
July 2:new Consumer Use of Reverse Mortgages
July 5:new Confidential Treatment of Privileged Information
July 10: Regulation E Correction
August 20: Electronic Fun Transfers (Regulation E)
August 21: Equal Credit Opportunity Act (Regulation B)
September 5: Appraisals for Higher-Risk Mortgage Loans
September 6:new Integrated Mortgage Disclosures Under the Real Estate Settlement Procedure Act (Regulation X) and the Truth in Lending Act (Regulation Z)
September 17:new 2012 Real Estate Settlement Procedures Act (Regulation X) Mortgage Servicing Proposal
September 17:new 2012 Truth in Lending Act (Regulation Z) Mortgage Servicing
November 7: Truth in Lending (Regulation Z)
November 14: Fair Credit Reporting (Regulation V); Correction
November 21: Truth in Lending (Regulation Z)
November 21: Consumer Leasing (Regulation M)
November 23:new Delayed Implementation of Certain New Mortgage Disclosures
December 18: Fair Credit Reporting Act Disclosures
December 28: Procedure Relating to Rulemaking
December 31: Home Mortgage Disclosure (Regulation C): Adjustment to Asset-Size Exemption Threshold
December 31:new Electronic Fund Transfers (Regulation E)
Federal Deposit Insurance Corporation (FDIC)
March 21: newAnnual Stress Test
March 27:new Assessments, Large Bank Pricing
March 30:new Proposed Guidance on Leveraged Lending
June 22:new Calculation of Maximum Obligation Limitation
July 24:new Permissible Investments for Federal and State Savings Associations: Corporate Debt Securities
August 30: Risk-Based Capital Guidelines: Market Risk
September 5: Appraisals for Higher-Risk Mortgage Loans
October 2: Margin and Capital Requirements for Covered Swap Entities; Reopening of Comment Period
October 15: Annual Stress Test
October 16: Enforcement of Subsidiary and Affiliate Contracts by the FDIC as Receiver of a Covered Financial Company
October 31: Assessments, Large Bank Pricing
December 21: Community Reinvestment Act Regulations
Federal Reserve (Fed)
January 3:new Prohibitions and Restrictions on Proprietary Trading and Certain Interests in, and Relationships With, Hedge Funds www.gpo.gov/fdsys/pkg/FR-2012-03-05/pdf/2012-5187.pdfand Private Equity Funds
January 5:new Enhanced Prudential Standards and Early Remediation Requirements for Covered Companies
March 30: Proposed Guidance on Leveraged Lending
April 12:new Reserve Requirements of Depository Institutions: Reserves Simplification
April 17:new Payment System Risk Policy; Daylight Overdraft Posting Rules
August 2: Financial Market Utilities
August 3: Debit Card Interchange Fees and Routing
August 30: Risk-Based Capital Guidelines: Market Risk
September 5: Appraisals for Higher-Risk Mortage Loans
October 2: Margin and Capital Requirements for Covered Swap Entities; Reopening of Comment Period
October 12:new Supervisory and Company-Run Stress Test Requirements for Covered Companies
October 31: Reserve Requirements of Depository Institutions
November 5: Reserve Requirements of Depository Institutions: Reserves Simplification
November 16: Rules of Practice for Hearings
November 21: Truth in Lending (Regulation Z)
November 21: Consumer Leasing (Regulation M)
November 23:new Policy Statement on the Scenario Design Framework for Stress Testing
December 21: Community Reinvestment Act Regulations
Financial Crimes Enforcement Network (FinCEN)
March 5:new Customer Due Diligence Requirements for Financial Institutions
May 10:new Customer Due Diligence Requirements for Financial Institutions: Extension of Comment Period
July 13:new Request for Comments: Customer Due Diligence Requirements for Financial Institutions; Public Hearing
Office of the Comptroller of the Currency (OCC)
March 21:new Annual Stress Test
March 30:new Proposed Guidance on Leveraged Lending
June 13:new Guidance on Due Diligence Requirements in Determining Whether Securities Are Eligible for Investment
June 13:new Alternatives to the Use of External Credit Ratings in the Regulations of the OCC
June 21:new Lending Limits
August 30:new Risk-Based Capital Guidelines: Market Risk
September 5: Appraisals for Higher-Risk Mortgage Loans
October 2:new Margin and Capital Requirements for Covered Swap Entities; Reopening of Comment Period
October 9: Short-Term Investment Funds
October 9: Annual Stress Test
October 12:new Retail Foreign Exchange Transactions
November 15: Policy Statement on the Principles for Development and Distribution of Annual Stress Test Scenarios
December 21: Community Reinvestment Act Regulations
December 31: Lending Limits
U.S. Treasury
April 19:new Guidance on Reporting Interest Paid to Nonresident Aliens
June 22:new Community Development Financial Institutions Fund
August 30: Risk-Based Capital Guidelines: Market Risk
October 9: Short-Term Investment Funds
October 9: Annual Stress Test
Octobernew 12:new Retail Foreign Exchange Transactions
November 15: Policy Statement on the Principles for Development and Distribution of Annual Stress Test Scenarios