Effective Date: HMDA Final Rule (third)
This rule was generally effective on January 1, 2018, except that the amendment to Sec. 1003.2 in amendatory instruction 3 is effective on January 1, 2017; the amendments to Sec. 1003.5 in amendatory instruction 8, the amendments to Sec. 1003.6 in amendatory instruction 10, the amendments to appendix A to part 1003 in amendatory instruction 12, and the amendments to supplement I to part 1003 in amendatory instruction 16 are effective on January 1, 2019; and the amendments to Sec. 1003.5 in amendatory instruction 9 are effective on January 1, 2020. See part VI for more information here. Also see here for the CFPB's Key Dates Timeline.
- January 1, 2019
- Time: All Day
Other events in Regulatory News
- 03/04/2015: Compliance Alliance Huddle
- 05/18/2015: CFPB: Request for Information Regarding Credit Card Market
- 05/18/2015: Fed: Regulation D: Reserve Requirements for Depository Institutions
- 05/26/2015: CFPB: Request for Information Regarding the Consumer Complaint Database
- 06/17/2015: CFPB: Request for Information Regarding Credit Card Market Extension
- 07/01/2015: OCC Licensing Integration Final Rule
- 07/02/2015: Department of Education - Program Integrity and Improvement
- 07/02/2015: Enhancements to Federal Reserve Bank Same-Day ACH Service, Request for Comments
- 07/07/2015: Delay TRID Effective Date
- 07/13/2015: Request for Information Regarding Student Loan Servicing
- 07/18/2015: Loans Secured in Whole or in Part by Manufactured Homes No Longer Exempt from HMPL Appraisal Rules
- 07/21/2015: Volcker Rule
- 07/23/2015: Changes to Part II of the Federal Reserve Policy on Payment System Risk (PSR policy)
- 07/23/2015: Regulation D: Reserve Requirements for Depository Institutions
- 07/24/2015: Liquidity Coverage Ratio: Treatment of U.S. Municipal Securities as High-Quality Liquid Assets
- 07/27/2015: FDIC: Large Bank Deposit Insurance Determination Modernization
- 08/10/2015: Minimum Requirements for Appraisal Management Companies
- 08/31/2015: Treasury: Public Input on Expanding Access to Credit Through Online Marketplace Lending
- 09/04/2015: FHA: Single Family Mortgage Insurance Maximum Time Period for Filing Insurance Claims
- 09/04/2015: Defining and Delimiting the Exemptions for Executive, Administrative, Professional, Outside Sales an
- 09/11/2015: VA: Loan Guaranty- Adjustable Rate Mortgage Notification Requirements and Look-Back Period
- 09/11/2015: Comment Period: FDIC Assessments
- 09/14/2015: FTC Comment Period: Proposal for Parental Verification Method Under COPPA Rule
- 09/17/2015: FinCEN: Renews and Broadens Geographic Targeting Orders on Border Cash Shipments in CA and TX
- 09/18/2015: NACHA: Network Risk and Enforcement Topics
- 09/18/2015: NACHA: ACH Operator Edit for Returns
- 09/24/2015: Fed Proposal to Capital Planning and Stress Testing Regulations
- 10/01/2015: Final Rule: Flood Insurance
- 10/03/2015: CFPB: TILA-RESPA Integrated Disclosures
- 10/30/2015: Comment Period: Community Development Financial Institutions Program
- 11/01/2015: NMLS Renewal Period Begins
- 11/02/2015: Anti-Money Laundering Program and Suspicious Activity Report Filing Requirements for Registered Inve
- 11/17/2015: Proposed Call Report Changes
- 12/31/2015: NMLS: Last Day for Renewal
- 01/01/2016: Loans in Areas Having Special Flood Hazards
- 01/01/2016: Amendments Relating to Small Creditors and Rural or Underserved Areas Under the Truth in Lending Act
- 03/01/2016: HMDA Submissions Due Date
- 10/03/2016: Mandatory Compliance: Military Lending Act
- 12/21/2016: Comment Period: Indemnification Payments
- 12/22/2016: Comment Period: Regulations Q and Y; Risk-Based Capital and Other Regulatory Requirements…
- 01/01/2017: Effective Date: HMDA Final Rule (first)
- 01/01/2017: Effective Date: Reg. Z Annual Threshold Adjustments
- 01/03/2017: Comment Period: Removal of Transferred OTS Regulations Regarding Minimum Security Procedures…
- 01/20/2017: Comment Period: Removal of Transferred OTS Regulations
- 01/30/2017: Report Date: Consolidated Reports of Condition and Income
- 01/30/2017: Comment Period: Federal Government Participation in the Automated Clearing House
- 02/13/2017: Comment Period: Fed Application of the RFI/C(D) Rating System to Savings and Loan Holding Companies
- 02/17/2017: Comment Period: Advanced Notice of Proposed Rulemaking on Enhanced Cyber Risk Management Standards
- 02/21/2017: Comment Period: Request for Information Regarding Consumer Access to Financial Records
- 03/01/2017: CRA Annual Filing Due Date
- 03/01/2017: HMDA Submissions Due Date
- 03/17/2017: Comment Period: Proposed Extension for Fiduciary Rule
- 04/01/2017: Effective Date: Recordkeeping for Timely Deposit Insurance Determination
- 04/01/2017: Effective Date: Liquidity Coverage Ratio Public Disclosure Requirements
- 04/01/2017: Effective Date: Industrial and Commercial Metals
- 04/03/2017: Comment Period: Update and Revision of SAR Electronic Data Fields
- 04/05/2017: Comment Period: Prepaid Accounts Rule Delayed Effective Date
- 04/15/2017: FBAR Filing Date Extension
- 04/24/2017: Comment Period: Information Collection on “Student Loan Servicing Market Monitoring”
- 05/04/2017: Comment Period: Proposed Amendments to ECOA/Regulation B
- 05/19/2017: Comment Period: RFI Regarding Use of Alternate Data in Credit Process
- 05/23/2017: Comment Period: RFI Regarding Remittance Rule Assessment
- 05/25/2017: Comment Period: Technical Corrections and Clarifying Amendments to HMDA Final Rule
- 06/08/2017: Comment Period: RFI Consumer Credit Card Market
- 06/09/2017: Applicability Date: Definition of the Term “Fiduciary”; Conflict of Interest Rule
- 07/01/2017: Mandatory Compliance: OCC Guidelines Establishing Standards for Recovery Planning
- 07/01/2017: Effective Date: Credit Reporting of Civil Judgments and Tax Liens
- 07/10/2017: Comment Period: Request for Information Regarding 2013 RESPA Servicing Rule Assessment
- 07/30/2017: Call Report Submission
- 07/31/2017: Comment Period: RFI Regarding Ability to Repay/Qualified Mortgage Rule Assessment
- 07/31/2017: Comment Period: Proposal for HMDA Temporary Increase in Coverage for Open-End Lines of Credit
- 08/01/2017: Comment Period: Proposed Amendments to Regulation CC
- 08/01/2017: Applicability Date: CTR Updated on BSA E-Filing System
- 08/04/2017: Comment Period: CFPB Information Collection Activities
- 08/14/2017: Comment Period: Proposed Amendments to Prepaid Accounts Final Rule
- 08/28/2017: Comment Period: Proposal to Revise Call Report
- 09/05/2017: Effective Date: Shortening the Settlement Cycle
- 09/14/2017: Comment Period: RFI Regarding the Small Business Lending Market
- 09/15/2017: Effective Date: NACHA Same-Day ACH (Phase 2)
- 09/25/2017: Comment Period: Regulatory Capital Rule
- 09/29/2017: Effective Date: NACHA Third-Party Sender Registration
- 09/29/2017: Effective Date: Technical Corrections to Customer Due Diligence Requirements
- 10/03/2017: Mandatory Compliance: MLA for Credit Card Accounts
- 10/10/2017: Comment Period: TRID Amendments
- 10/10/2017: Effective Date: Final Amendments to TRID
- 10/11/2017: Comment Period: Securities Transaction Settlement Cycle
- 10/19/2017: Effective Date: Amendments to the 2013 Mortgage Rules Under RESPA/TILA
- 10/20/2017: Comment Period: Proposal to Amend CRA
- 11/01/2017: Beginning of NMLS Annual Renewal Period
- 12/26/2017: Comment Period: Proposal for Regulatory Capital Simplification
- 12/31/2017: End of NMLS Annual Renewal Period
- 12/31/2017: Expiration of Exception from FIRREA Requirements
- 01/01/2018: Effective Date: HMDA Final Rule (second)
- 01/01/2018: Mandatory Compliance: OCC Guidelines Establishing Standards for Recovery Planning
- 01/01/2018: Effective Date: Amendments to ECOA/Regulation B Ethnicity and Race Information
- 01/01/2018: Effective Date: Amendments to CRA
- 01/01/2018: Final Rule: CRA Amendments
- 01/16/2018: Effective Date: Payday, Vehicle Title, and Certain High-Cost Installment Loans
- 01/31/2018: Extended FBAR Filing Deadline for Hurricane Harvey Victims
- 03/16/2018: Effective Date: NACHA Same-Day ACH (Phase 3)
Other events in Effective Date
- 07/01/2015: OCC Licensing Integration Final Rule
- 07/18/2015: Loans Secured in Whole or in Part by Manufactured Homes No Longer Exempt from HMPL Appraisal Rules
- 07/23/2015: Changes to Part II of the Federal Reserve Policy on Payment System Risk (PSR policy)
- 07/23/2015: Regulation D: Reserve Requirements for Depository Institutions
- 08/10/2015: Minimum Requirements for Appraisal Management Companies
- 09/11/2015: VA: Loan Guaranty- Adjustable Rate Mortgage Notification Requirements and Look-Back Period
- 09/18/2015: NACHA: Network Risk and Enforcement Topics
- 09/18/2015: NACHA: ACH Operator Edit for Returns
- 10/01/2015: Regulatory Capital Rules, Final Rule
- 10/01/2015: Final Rule: Flood Insurance
- 10/03/2015: CFPB: TILA-RESPA Integrated Disclosures
- 12/04/2015: Effective Date: Fixing America’s Surface Transportation Act (FAST Act)
- 01/01/2016: Loans in Areas Having Special Flood Hazards
- 01/01/2016: Amendments Relating to Small Creditors and Rural or Underserved Areas Under the Truth in Lending Act
- 01/01/2016: Final Rule: Emergency lending under Section 13(3) of the Federal Reserve Act
- 02/19/2016: Effective Date: Members of Federal Home Loan Banks
- 03/21/2016: Effective Date: Repeal of Regulation AA
- 03/31/2016: Final Rule: Operations in Rural Areas under the Truth in Lending Act
- 04/01/2016: Effective Date: Margin and Capital Requirements for Covered Swap Entities Agencies
- 06/07/2016: Effective Date: Definition of the Term “Fiduciary”; Conflict of Interest Rule
- 07/01/2016: Effective Date: Small Bank Pricing
- 07/01/2016: Effective Date: Program Integrity and Improvement
- 07/01/2016: Effective Date: Registration of Securities Transfer Agents
- 07/01/2016: Effective Date: Treatment of U.S. Municipal Securities as High-Quality Liquid Assets
- 07/11/2016: Effective Date: Customer Due Diligence Requirements
- 08/01/2016: Effective Date: Interim Final Rule Adjusting Civil Money Penalties for Inflation
- 08/01/2016: Comment Period and Effective Date: FinCEN Civil Monetary Penalty Adjustment
- 08/01/2016: Effective Date: FRB Rules of Practice for Hearings
- 08/01/2016: Effective Date: FDIC Rules of Practice and Procedure
- 08/10/2016: Effective Date: Minimum Requirements for Appraisal Management Companies
- 09/23/2016: Effective Date: NACHA Same-Day ACH (Phase 1)
- 12/09/2016: Effective Date: Special Measure Against North Korea
- 01/01/2017: Effective Date: HMDA Final Rule (first)
- 01/01/2017: Effective Date: Reg. Z Annual Threshold Adjustments
- 01/18/2017: Effective Date: Revision of Small and Intermediate Small Bank Asset Thresholds
- 01/27/2017: Effective Date: Adjusting Civil Money Penalties for Inflation
- 03/31/2017: Proposed Effective Date: Proposed New Consolidated Reports of Condition and Income
- 03/31/2017: Effective Date: Uniform Interagency Consumer Compliance Rating System
- 04/01/2017: Effective Date: Recordkeeping for Timely Deposit Insurance Determination
- 04/01/2017: Effective Date: Liquidity Coverage Ratio Public Disclosure Requirements
- 04/01/2017: Effective Date: Industrial and Commercial Metals
- 07/01/2017: Effective Date: Credit Reporting of Civil Judgments and Tax Liens
- 08/01/2017: Applicability Date: CTR Updated on BSA E-Filing System
- 09/05/2017: Effective Date: Shortening the Settlement Cycle
- 09/15/2017: Effective Date: NACHA Same-Day ACH (Phase 2)
- 09/29/2017: Effective Date: NACHA Third-Party Sender Registration
- 09/29/2017: Effective Date: Technical Corrections to Customer Due Diligence Requirements
- 10/10/2017: Effective Date: Final Amendments to TRID
- 10/19/2017: Effective Date: Amendments to the 2013 Mortgage Rules Under RESPA/TILA
- 01/01/2018: Effective Date: HMDA Final Rule (second)
- 01/01/2018: Effective Date: Amendments to ECOA/Regulation B Ethnicity and Race Information
- 01/01/2018: Effective Date: Amendments to CRA
- 01/01/2018: Final Rule: CRA Amendments
- 01/16/2018: Effective Date: Payday, Vehicle Title, and Certain High-Cost Installment Loans
- 03/16/2018: Effective Date: NACHA Same-Day ACH (Phase 3)
- 04/09/2018: Effective Date: Real Estate Appraisals
- 04/19/2018: Effective Date: Amendments to the 2013 Mortgage Rules Under RESPA/TILA
- 04/19/2018: Effective Date: Amendments to the 2013 Mortgage Rules Under RESPA/TILA
- 06/01/2018: SAR Update and Revision
- 06/30/2018: Effective Date: Revisions to Call Report
- 07/01/2018: Effective Date: Final Amendments to Regulation CC
- 08/30/2018: Effective Date: Small Bank Holding Company and Savings and Loan Holding Company Policy Statement
- 09/05/2018: Transition to Two-Business-Day Standard Securities Settlement Cycle
- 09/07/2018: Final Rule: 2018 HMDA Final Rule on Partial Exemptions to the EGRRCPA
- 09/17/2018: Final Rule: Amendment to Regulation P
- 09/21/2018: Effective Date: Regulation V Summaries of Rights Under FCRA
- 10/01/2018: Effective Date: Securities Transaction Settlement Cycle
- 01/01/2019: Effective Date: Truth in Lending (Regulation Z) Annual Threshold Adjustments
- 01/01/2019: Effective Date: Reg. CC Availability of Funds and Collection of Checks
- 01/01/2019: Effective Date: Final Amendments to Regulation J
- 01/01/2019: Effective Date: Appraisals for Higher-Priced Mortgage Loans Exemption Threshold
- 01/01/2019: [Cloned] Effective Date: Consumer Leasing (Regulation M)
- 01/28/2019: Effective Date: Expanded Examination Cycle
- 04/01/2019: Effective Date: Prepaid Accounts under EFTA/TILA
- 04/01/2019: Effective Date: Implementation and Transition of the Current Expected Credit Losses Methodology
- 04/17/2019: Effective Date: Disclosure of Financial and Other Information by FDIC-Insured State Nonmember Banks
- 05/24/2019: Effective Date: EGRRCPA, SEC. 302. PROTECTING VETERANS’ CREDIT
- 07/01/2019: Effective Date: Private Flood Insurance Final Rule
- 07/01/2019: Effective Date: Final rule to implement a new section of the Home Owners’ Loan Act
- 07/05/2019: Effective Date: Liquidity Coverage Ratio Rule
- 07/22/2019: Effective Date: Reduced Reporting for Covered Depository Institutions
- 07/22/2019: Effective Date: Revisions to Prohibitions and Restrictions on Proprietary Trading and Certain Interests In, and Relationships With, Hedge Funds and Private Equity Funds
- 08/21/2019: Effective Date: Joint Ownership Deposit Accounts
- 09/03/2019: Effective Date: Availability of Funds and Collection of Checks (Regulation CC)
- 09/20/2019: Effective Date: NACHA Faster Funds Availability Rule
- 10/01/2019: Effective Date: Regulatory Capital Simplification Final Rule
- 10/15/2019: Effective Date: FHFA Issues Final Rule Regarding Credit Score Models
- 11/24/2019: Effective Date: EGRRCPA, SEC. 106. ELIMINATING BARRIERS TO JOBS FOR LOAN ORIGINATORS
- 11/24/2019: Effective Date: Amendments to the Stress Testing Rule for National Banks and Federal Savings Associations
- 12/15/2019: Effective Date: New Accounting Standard on Financial Instruments - Credit Losses
- 01/01/2020: Effective Date: HMDA Final Rule (fourth)
- 01/01/2020: Effective Date: CFPB Issues Final Rule Adjusting the Annual Thresholds under Reg Z for 2020
- 01/01/2020: Effective Date: Department of Labor Final Rule to Update Overtime Compensation Regulations
- 03/20/2020: Effective Date: NACHA Increase in the Per-Transaction Dollar Limit
- 04/01/2020: Effective Date: Regulatory Capital Simplification Final Rule (April 1, 2020)
- 07/01/2020: Effective Date: Availability of Funds and Collection of Checks (Regulation CC) (July 1)
- 12/15/2020: Effective Date: New Accounting Standard on Financial Instruments - Credit Losses
- 03/19/2021: Effective Date: NACHA New Same Day ACH Processing Window with Expanded Hours
- 01/01/2022: Effective Date: Amendments to ECOA/Regulation B Ethnicity and Race Information