On March 20, 2023, the CFPB published a final rule in the Federal Register that makes non-substantive corrections and updates to CFPB and other federal agency contact information found in various regulations, including the contact information that must be provided in ECOA adverse action notices and the FCRA Summary of Consumer Rights.  The final rule also makes non-substantive changes to various regulations.  The final rule is effective April 19, 2023, but the mandatory compliance date for amendments that impact forms given to consumers, as indicated below, is March 20, 2024.

The most significant updates and corrections consist of the following:

• In Regulation B (ECOA), the CFPB is amending the federal agency contact information in appendix A for the CFPB, OCC, FDIC, NCUA, FTC, and other listed agencies.  The contact information must be included in ECOA adverse action notices.  The CFPB is also correcting its contact information in appendix D, which sets forth the process for requesting official CFPB interpretations of Regulation B.  The appendix A amendments have a March 20, 2024 mandatory compliance date.
• In Regulation E (EFTA), the CFPB is correcting and updating its contact information in appendix C, which sets forth the process for requesting official CFPB interpretations of Regulation E.
• In Regulation F (FDCPA), the CFPB is updating its contact information in appendix A and in the introductory section of Supplement I which set forth, respectively, the process for a state to apply for an exemption from the FDCPA and Regulation F and the process for requesting official CFPB interpretations of Regulation F.
• In Regulation V (FCRA), the CFPB is amending the model form in appendix K for the Summary of Consumer Rights to correct the contact information for various agencies, including the OCC, FDIC, and NCUA.  Consumer reporting agencies must provide a Summary when making written disclosure of information from a consumer’s file or providing a credit score to a consumer.  A Summary must also be provided by certain other persons in specified circumstances.  The appendix K amendments have a March 20, 2024 mandatory compliance date.
• In Regulation X (RESPA), the CFPB is correcting its contact information in the definition of “Public Guidance Documents” in section 1024.2(b) and in the introductory section of Supplement I, which set forth, respectively, the procedure for requesting copies of public guidance documents from the CFPB and the procedure for requesting official CFPB interpretations of Regulation X.
• In Regulation DD (Truth in Savings), the CFPB is correcting its contact information in appendix C, which sets forth the process for a state to request a determination from the CFPB regarding whether a state law is inconsistent with TISA and Regulation DD.
• In Regulation Z (TILA), the CFPB is correcting its contact information in appendices A, B, and C which set forth, respectively,  the process for a state to request a determination from the CFPB regarding whether a state law is inconsistent with or substantially the same as TILA and Regulation Z, the process for a state to apply to the CFPB to exempt a class of transactions from TILA and Regulation Z, and the process for requesting official CFPB interpretations of Regulation Z.  In appendix J, the CFPB is correcting its postal address for requests to the CFPB for APR calculation tables and to add a URL on its website at which the tables can be accessed.
• In Regulation J (Interstate Land Sales), the CFPB is correcting its contact information in Appendix A, which contains model forms and clauses that land developers must provide to prospective land buyers under certain circumstances.  The appendix A amendments have a March 20, 2024 mandatory compliance date.

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