Category Archives: Consumer

CFPB Action to Require Citizens Bank to Pay $9 Million Penalty for Unlawful Credit Card Servicing

FOR IMMEDIATE RELEASE:
May 23, 2023

CONTACT:
Office of Public Affairs
press@cfpb.gov

CFPB Action to Require Citizens Bank to Pay $9 Million Penalty for Unlawful Credit Card Servicing

Citizens failed to properly manage and respond to customers’ credit card disputes and fraud claims

WASHINGTON, D.C. — Today, the Consumer Financial Protection Bureau (CFPB) reached a settlement to resolve allegations that Citizens Bank violated consumer financial protection laws and rules that protect individuals when they dispute credit card transactions. The CFPB alleges that Citizens Bank failed to properly manage and respond to customers’ credit card disputes and fraud claims. If entered by the court, the order, among other things, would require Citizens Bank to pay a $9 million civil money penalty.

“Federal law provides important rights to credit cardholders when disputing transactions and resolving billing errors,” said CFPB Director Rohit Chopra. “As outstanding credit card debt approaches $1 trillion, the CFPB will be closely watching the conduct of the credit card industry.”

Citizens Bank is a large bank headquartered in Providence, Rhode Island, with branches and ATMs in 14 states and the District of Columbia. Citizens Bank is a subsidiary of Citizens Financial Group (NYSE:CFG), which reported $222 billion in assets as of March 31, 2023, and is one of the 15 largest consumer banks in the country. The CFPB originally sued Citizens Bank in January 2020.

Federal law protects individuals from credit card billing errors and fraud. The Truth in Lending Act and the rules that implement it lay out specific steps that individuals must take to report credit card disputes and fraud claims. If a person reports a billing error or fraud, the credit card issuer is required to investigate the allegations, send certain notifications to the individual, and, when claims are valid, refund the error or fraud amount.

In the 2020 lawsuit, the CFPB alleges that Citizens Bank violated the Truth in Lending Act and its implementing Regulation Z by:

  • Improperly denying customer reports of fraud and errors and failing to provide refunds: The bank failed to reasonably investigate and resolve billing error notices and claims of unauthorized use by making customers jump through unnecessary and burdensome hoops, which are not required under the Truth in Lending Act, to report fraud. The bank also failed to fully credit customers’ accounts when unauthorized use and billing errors occurred by sometimes not refunding all finance charges or fees owed to customers.
  • Failing to provide required documents and referrals: The bank did not provide certain individuals who submitted billing error notices with required acknowledgment and denial notices, which inform them that their disputes have been received and, if applicable to a person’s case, that the dispute was denied. The bank also did not disclose required credit counseling information to individuals who called the bank’s toll-free number designated for that purpose, and instead routed some individuals to the bank’s collections department.

Enforcement Action

Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws. If entered by the court, the stipulated judgment and order would require Citizens Bank to:

  • Fix its credit card practices: Citizens Bank must ensure that the treatment, handling, and resolution of billing error notices and unauthorized use claims comply with the law, including prohibiting its employees from requiring customers to provide a fraud affidavit signed under penalty of perjury in support of a credit card claim. The bank must also ensure that it refunds any fees or other amounts, calculated from the date of the error or unauthorized use, in response to valid billing error notices and unauthorized use claims.
  • Pay a $9 million fine: The bank will pay a $9 million penalty to the CFPB’s victims relief fund.

Read today’s proposed stipulated judgment and order.

Learn more about the CFPB’s credit card resources.

Learn more about frauds and scams.

Consumers can submit complaints about credit card servicing and other financial products and services by visiting the CFPB’s website or by calling (855) 411-CFPB (2372).

Employees who believe their companies have violated federal consumer financial protection laws, including the Truth in Lending Act, are encouraged to send information about what they know to whistleblower@cfpb.gov. To learn more about reporting potential industry misconduct, visit the CFPB’s website.

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The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. For more information, visit consumerfinance.gov.

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CFPB ISSUES CREDIT REPORTING GUIDANCE DURING COVID-19 PANDEMIC

FOR IMMEDIATE RELEASE:
April 1, 2020

MEDIA CONTACT:
Office of Communications
Tel: (202) 435-7170

CFPB ISSUES CREDIT REPORTING GUIDANCE DURING COVID-19 PANDEMIC

WASHINGTON, D.C. — The Consumer Financial Protection Bureau (Bureau) today released a policy statement outlining the responsibility of credit reporting companies and furnishers during the COVID-19 pandemic.  In response to the pandemic, many lenders are being flexible when it comes to consumers’ making payments.  The Bureau’s statement underscores that consumers benefit if lenders report accurate information about these arrangements to credit bureaus so that the credit reports of consumers are accurate.

“During this time of uncertainty, we are providing clarity to ensure the consumer reporting industry can continue to function,” said Director Kraninger.  “Consumers rely on their credit report to purchase a new car, their new home, or to finance their college education.  An effective consumer reporting system is critical in promoting fair and efficient access to credit in the consumer financial services market.”

As lenders continue to offer struggling borrowers payment accommodations, Congress last week passed the CARES Act.  The Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic.  The Bureau’s statement informs lenders they must comply with the CARES Act.  The Bureau’s statement also encourages lenders to continue to voluntarily provide payment relief to consumers and to report accurate information to credit bureaus relating to this relief.  The continuation of reporting such accurate payment information produces substantial benefits for consumers, users of consumer reports, and the economy as a whole.

In addition, in response to staffing and resources constraints on lenders and credit bureaus due to the pandemic, the Bureau’s statement also provides flexibility for lenders and credit bureaus in the time they take to investigate disputes.   The Bureau specifically states that it does not intend to cite in an examination or bring an enforcement action against firms who exceed the deadlines to investigate such disputes as long as they make good faith efforts during the pandemic to do so as quickly as possible.

Earlier this month, the Bureau provided consumers with resources to protect their credit.  The Bureau’s blog outlines the steps consumers should take if they cannot make a payment, how to dispute inaccurate information on their credit report, and how to obtain a free copy of their credit report.  The blog can be found here.

Statement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act.

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The Consumer Financial Protection Bureau is a 21st century agency that helps consumer finance markets work by regularly identifying and addressing outdated, unnecessary, or unduly burdensome regulations, by making rules more effective, by consistently enforcing federal consumer financial law, and by empowering consumers to take more control over their economic lives.  For more information, visit consumerfinance.gov.

CFPB PROVIDES FLEXIBILITY DURING COVID-19 PANDEMIC

CFPB-Logo

FOR IMMEDIATE RELEASE:
March 26, 2020

MEDIA CONTACT:
Office of Communications
Tel: (202) 435-7170

CFPB PROVIDES FLEXIBILITY DURING COVID-19 PANDEMIC

WASHINGTON, D.C. – The Consumer Financial Protection Bureau (Bureau) today announced that it is providing needed flexibility to enable financial companies to work with customers in need as they respond to the COVID-19 pandemic. The Bureau is postponing some data collections from industry on Bureau-related rules to allow companies to focus on responding to consumers in need and making changes to its supervisory activities to account for operational challenges at regulated entities.

“As consumers seek temporary relief from lenders, the pandemic is impacting the operations of financial companies that are eager to help their customers during this unprecedented time,” said Director Kathleen L. Kraninger. “Our actions today are temporary and targeted to support consumers by allowing financial companies to focus their resources on assisting consumers.

“The Bureau, along with our state and federal partners, have released prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. We will continue to issue additional guidance and policies to facilitate the ongoing collaborative relationship between companies and their customers during this time,” concluded Director Kraninger.

The Bureau will not expect quarterly information reporting by certain mortgage lenders as required under the Home Mortgage Disclosure Act (HMDA) and Regulation C. During this time, entities should continue collecting and recording HMDA data in anticipation of making annual submissions. The Bureau will provide information on when and how institutions will be expected to commence what would have been new quarterly HMDA data submissions.

The Bureau also will not expect the reporting of certain information related to credit card and prepaid accounts under the Truth in Lending Act, Regulation Z, and Regulation E. This includes the annual submissions concerning agreements between credit card issuers and institutions of higher education; quarterly submission of consumer credit card agreements; collection of certain credit card price and availability information; and submission of prepaid account agreements and related information.

Additionally, the following data collections are being postponed:

a survey of financial institutions that seeks information on the cost of compliance in connection with pending rulemaking on Section 1071 of the Dodd-Frank Act; and
a survey of firms providing Property Assessed Clean Energy financing to consumers for the purposes of implementing Section 307 of the Economic Growth, Regulatory Relief, and Consumer Protection Act.

To the extent the submission of this information is required by law, the Bureau is issuing policy statements indicating that it does not intend to cite in an examination or initiate an enforcement action against any entity for failure to submit such information when required. The Bureau will notify entities at a later date of when and how to submit information under these requirements. Entities should maintain records sufficient to allow them to make delayed submissions pursuant to Bureau guidance.

The Bureau also announced that as a result of operational challenges confronted by institutions due to the pandemic, the Bureau will work with affected financial institutions in scheduling examinations and other supervisory activities to minimize disruption and burden. When conducting examinations and other supervisory activities and in determining whether to take enforcement action, the Bureau will consider the circumstances that entities may face as a result of the COVID-19 pandemic and will be sensitive to good-faith efforts demonstrably designed to assist consumers.

Statement on Supervisory and Enforcement Practices Regarding Quarterly Reporting Under the Home Mortgage Disclosure Act: https://files.consumerfinance.gov/f/documents/cfpb_hmda-statement_covid-19_2020-03.pdf.

Statement on Supervisory and Enforcement Practices Regarding Bureau Information Collections for Credit Card and Prepaid Account Issuers: https://files.consumerfinance.gov/f/documents/cfpb_data-collection-statement_covid-19_2020-03.pdf.

Statement on Bureau Supervisory and Enforcement Response to COVID-19 Pandemic: https://files.consumerfinance.gov/f/documents/cfpb_supervisory-enforcement-statement_covid-19_2020-03.pdf.

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The Consumer Financial Protection Bureau is a 21st century agency that helps consumer finance markets work by regularly identifying and addressing outdated, unnecessary, or unduly burdensome regulations, by making rules more effective, by consistently enforcing federal consumer financial law, and by empowering consumers to take more control over their economic lives. For more information, visit consumerfinance.gov.

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PETITION: Please Sign the Petition Against PBS & Sesame Street DRAG QUEENS

lifesite news
Our pro-life reporting is being attacked. So is the truth. We can’t back down in the fight against abortion!

Sesame Street is slated to host a drag queen in one of its upcoming episodes.

Yes, the children’s program with Big Bird is slated to host a drag queen!

And, I know that we just wrote to you about drag queens at the Super Bowl.

But, no matter how many times they attack, we must continue to fight against this crass attempt to pervert children’s minds.

 

sesame street

 

This urgent petition, therefore, calls on the producers of Sesame Street to drop this ‘drag queen episode’…and, let kids be kids!

Thank you for SIGNING, now.

The promotion of drag queens, seen at this year’s Super Bowl and also at libraries around the country, is a coordinated effort by LGBT activists to “normalize” their morally and scientifically dangerous ideology with the young.

Please CLICK HERE to learn more about Sesame Street pushing drag queens, and then, please SIGN this URGENT petition!

Transgenderism is not about “Love.” It is a disorder – gender dysphoria – which has absolutely no place on a children’s program.

Indeed, Sesame Street is forcing children to deal with adult concepts and notions about sexuality which are beyond their level of maturity.

PLEASE SIGN THIS URGENT PETITION, TODAY!

Thank you for SIGNING and SHARING this urgent petition, which will be sent to the producers at HBO, and to AT&T (owners of HBO).

If after signing the petition, you wish to politely make your feelings known about this issue, please call Warner Media (who run HBO Max for AT&T) at: 212-484-8000.

Yours faithfully,

Scott Schittl and the whole Team at LifeSite

PS – Please SIGN this petition which calls on the producers of Sesame Street, to drop the ‘drag queen episode’ of the beloved children’s program…and, let kids be kids.

PPS – Please CLICK HERE to find out more about the petition. Then, please SIGN and SHARE with your like-minded friends, family, and colleagues.

Our mailing address is:

LifeSiteNews.com

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tobacco plus expo

TPE 2020: New Products Releases, Streamlined Scheduling, Smart Panels, and 1 Big Party The first big show of the year aims to position all attendees on a path to success.

For immediate release:

CONTACT
TPE Show Contact: Dawn Conger

dawnconger@tobaccoplusexpo.com

TPE Press Contact: Rachel McKnett
rachelmcknett@kretek.com

TPE 2020: New Products Releases, Streamlined Scheduling, Smart Panels, and 1 Big Party

The first big show of the year aims to position all attendees on a path to success.

January 2020 – With thousands of products and buyers, exclusive show deals and experiences, and the latest industry information, attending the Tobacco Plus Expo 2020 (TPE 2020) is the ideal way to start the year for all facets of the tobacco business. Happening Wednesday, January 29, 2020 through Friday, January 31, 2020 at the Las Vegas Convention Center in Las Vegas, Nevada, the show offers 3 days of business, learning, networking, and fun, paving the way for a successful and profitable year for the industry.

It Starts Here: Business

With TPE 2020 projecting increased numbers over 2019 attendance and exhibiting brands, selective exhibitors are taking notice, and TPE 2020 may be your only chance to meet with some of them. And many companies are releasing new products at TPE 2020, giving this year’s attendees an extra advantage in keeping inventory fresh for their customers. To easily find these new launches amidst the thousands at the show, TPE 2020 will feature a Product Spotlight, where attendees can expect to see new products from brands like:

  • Agnorsa Leaf
  • Alec Bradley Cigars
  • Drew Estate
  • Espinosa
  • Fratello
  • Illusione
  • Jas Sum Kral
  • JRE Tobacco
  • Maya Selva Cigars
  • Nova Cigars
  • Republic Tobacco
  • Room 101
  • Santa Clara
  • Vicarias
  • Villiger
  • Committed to hosting a fun, educational, and successful show, the Tobacco Media Group (TMG) is pleased to offer the TPE Connect Program, an online platform that matches buyers and exhibitors, and allows them to schedule meetings during show hours. To optimize your TPE time and participate in TPE Connect, just log in to your attendee or exhibitor portal prior to the show and update your product preferences so you can be matched to meet with colleagues relevant to your business.
  • Learning: The Best Way to Get Ahead
  • Moderated by tobacco industry leaders, TPE is proud to offer IGNITE- a series of educational sessions aimed at keeping attendees and exhibitors on the cutting edge of our industry. From regulations and retail growth to merchandising and market trends, TPE 2020 offers relevant information with your growth in mind. For a complete list of session topics and times, please visit: https://tobaccoplusexpo.com/education/. And did we mention that 14-time NBA All-Star Karl Malone is the TPE 2020 Keynote Speaker? You won’t want to miss this.
  • Networking and Fun
  • What’s a TPE Show without entertainment? This year, we have a 4-in-1 all-industry party on Wednesday, Jan 29 at the Sahara Hotel & Casino (formerly the SLS Hotel) from 6pm to 9pm. Held at 4 venues in close proximity, party-goers can relax at Club 101 with dueling pianos and a cigar-lounge, cavort over carving stations at Bazaar Meat, enjoy a club scene with DJ Eli from Drew Estate at the Theater, and revel in classic Vegas at the Gaming Casino. Whether you hit all the parties or settle in at one, it’s a night of food, drinks, and networking that should not be missed.
  • “We’ve invested in TPE and our industry,” says Ellie Hansen, Trade Show Director for Tobacco Media Group. “We’ve put together a show that offers what people are looking for- solid brands and products, quality buyers actively looking to stock their shelves, education panels to keep people informed and ahead of industry happenings, and networking opportunities that are actually fun. We’re feeling good, and are planning to see you at TPE 2020.”
  • The Path to Success for 2020
  • Tickets are still available for TPE 2020, so do not miss your chance to set yourself up for growth and profit in the new year. Please visit www.tobaccoplusexpo to register.

  • # # #

  • About TPE:
  • Under the banner of Tobacco Media Group (TMG) owned by Kretek International, Tobacco Plus Expo (TPE) is the largest B2B tobacco trade show highlighting the full-spectrum of tobacco, vapor, alternatives and general merchandise products available on the ever-evolving market. TPE 2020 is planning to deliver the industry’s most compelling content, products, and information, and will be held January 29, 2020 through January 31, 2020 at the Las Vegas Convention Center. To learn more about the show, please visit the website: www.tobaccoplusexpo.com.

California Comfort Testing: Best HERS Testers in San Diego County – HERS Raters

HERS: Home Energy Rating Systems – HERS Raters in San Diego County, California

 

 

California Comfort Testing

www.CaComfortTesting.com

 

HERS Testing San Diego

Home Energy Rating System (HERS) testing is a set of verifications that are used to evaluate the energy efficiency of a home according to California’s Energy Code. Taking part in HERS testing for any building allows the technician to determine where deficiencies can be improved. Studies have shown that the average home may lose up to 30% of its conditioned air due to poorly installed Heating, Ventilation, and Cooling (HVAC) equipment. HERS testing is typically required by the California Energy Commission (CEC) to verify the project is meeting its Energy Standards. This requirement is triggered by installing new equipment and applying for a permit at your local Enforcement Agency. HERS testing must be completed before the permit can be closed. Also, these tests can be used as a preliminary tool a building owner can utilize to see how their building is performing. This option may be more in-depth because it does not mandate HERS testing, and typically would be done before, during, and after a building renovation. Applying HERS testing during this process allows the general contractor to work with the technician performing the tests. It ensures that the necessary steps are being taken to increase building comfort, energy savings, and decrease air loss to unconditioned space. California code may require HERS testing if there is a mechanical change-out during this process. Most commonly, HERS testing is needed on a project having HVAC equipment replaced. However, you can expect to see testing done on additions and newly constructed buildings that include commercial, multifamily, and single-family homes. Understanding building classification is essential regarding how HERS testing is applied. For example, residential buildings that are between one and three stories classify as low rise buildings, whereas, residential buildings with three or more stories have the same classification as commercial. This classification does apply to both newly constructed or altered buildings. Moreover, building classification, rather it be new construction or alteration will be a factor in how hers testing is applied.

HERS Raters San Diego

A HERS Rater is a special inspector who is certified by the California Energy Commission (CEC). Before a Rater can become certified, they must go through an education process where they are trained, tested, and verified by an approved HERS provider. HERS Raters must pass both a written and field exam before they can become certified by that provider. Currently, Calcerts and Cheers are the only two HERS providers approved by the CEC. Also, a HERS rater is required to stay up-to-date on the current code and will be required to take an update course for each code cycle. This is to ensure the Rater has an adequate understanding of the energy code and will be able to answer any questions a client may have. Furthermore, a Rater Scheduled for any project must be an independent third party, and must not be employed by the Builder or installing contractors. The HERS Rater is required be certified in the scope of work they are being hired for. Residential alterations is the most common certification, but there is also one for residential new construction, and commercial building projects as well. Moreover, the rater is required to have an Environmental Protection Agency, or (EPA) certification that allows him to work with refrigerant containing components. Also, it’s not uncommon to find a HERS Rater who holds certifications outside of the scope of standard HERS testing. For example, National Comfort Institute, or (NCI) has certification programs which include residential air balancing, light commercial air balancing, and duct optimization. Building Performance Institute, or (BPI) is another organization that provides certification programs which include optimizing home performance, increasing Energy savings, and reducing health hazards. Though these organizations have different applications, they really hold the same value when it comes to reducing energy cost, and maximizing building comfort. Here at CA

Comfort Testing, our HERS Raters collectively use each one of these certifications on every job looking for ways to make your home perform better.

HERS Verification San Diego

Hers verification is the

Is a variety of different tests that can be expected during this process. Duct testing is most common because it’s almost always required. However, there may be refrigerant charge verification, airflow verification, fan watt draw verification, and blower door verification. The required HERS verification will be determined by installation, climate zone, and/or a Title 24 report.

Duct Testing San Diego

Is a HERS test that is performed to ensure the HVAC duct system is meeting the minimum energy efficiency standards. Duct Testing also known as Duct Leakage Testing is used to measure the air tightness of your duct system. The technician performing the duct leakage testing will determine if additional duct sealing is needed to bring the system up to code.

Air balancing Services

Is a hers rating company that is known for its high-quality service.

For friendly, hassle-free, and great customer service please call California Comfort Testing for all your HERS testing needs.

scheduled for a project must be an independent third party. They cannot be employed by the builder or by installing contractors. The HERS rater must also be trained, tested, and certified in the scope of work they are being hired for. The HERS rater is the only person who can provide you with a signed HERS verification.

 

Contact San Diego County Best HERS Testers

 

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tpe

Press Release: Tobacco Plus Expo: Supporting the Support Beams of the Tobacco Industry

For immediate release:

CONTACT


TPE Show Contact: Hilary Manning

hilarymanning@tobaccoplusexpo.com

TPE Press Contact: Rachel McKnett
rachelmcknett@kretek.com

NATO Contact: Thomas Briant

info@natocentral.org

tobacco plus expo

Tobacco Plus Expo: Supporting the Support Beams of the Tobacco Industry

Tradeshow partners with NATO, offering contributions and a platform to help all facets of the tobacco business.

December 2019 – With the Tobacco Plus Expo 2020 (TPE) shaping up to be a must-attend event for the new year, the Tobacco Media Group, Inc. (TMG), is pleased to announce its continued support and partnership with the National Association of Tobacco Outlets (NATO), which includes a significant presence at the TPE 2020 show, held Wednesday, January 29, 2020 through Friday, January 31, 2020 at the Las Vegas Convention Center in Las Vegas, Nevada.

With 60,000 members, NATO works endlessly to protect the rights and interests of tobacco retailers and consumers, while influencing significant business decisions and legislation. They are a resource to all, disseminating details on FDA regulations and local, state, and federal issues regarding tobacco, e-cigarettes & vapor, adult rights, and retailer freedoms. TMG has battled regulations right alongside NATO, using Tobacco Business, their popular magazine, as a means of distributing information and being a reputable resource for the latest industry news.

Like many in the industry, TMG and their parent company, Kretek International, Inc. also contribute monetarily to NATO, facilitating and fighting legislation that affects the entire tobacco business. In addition to this financial support, TMG is dedicated to elevating the organization by bringing NATO to TPE and bringing the industry to NATO.

NATO will be a strong presence at this year’s show, occupying a booth with team members offering information and insight to attendees and exhibitors. They will also be leading several of TPE 2020’s IGNITE educational sessions, speaking on market trends and current legislation.

“We see the TPE show as a huge opportunity to partner with organizations like NATO,” says Ben Stimpson, Managing Director of the Tobacco Media Group, Inc. “Tom Briant and his team are leading a comprehensive and imperative legislative charge to help educate and fight for all businesses in the tobacco industry. The information we share, and the money we donate helps their legislation efforts at local and state levels and strengthens our industry as a whole. NATO is the ace in all of our pockets.”

The first major tradeshow of the year for the tobacco and alternative industries, TPE 2020 brings together retailers, distributors, manufacturers, and industry media for three days of solid business, networking, learning, and fun. For information about exhibiting or attending, please visit www.tobaccoplusexpo.com.

# # #

 

About TPE:

Under the banner of Tobacco Media Group (TMG) owned by Kretek International, Tobacco Plus Expo (TPE) is the largest B2B tobacco trade show highlighting the full-spectrum of tobacco, vapor, alternatives and general merchandise products available on the ever-evolving market. TPE 2020 is planning to deliver the industry’s most compelling content, products, and information, and will be held January 29, 2020 through January 31, 2020 at the Las Vegas Convention Center. To learn more about the show, please visit the website: www.tobaccoplusexpo.com.

 

About NATO:

Started over 15 years ago, the National Association of Tobacco Outlets, Inc. (NATO) is a national trade association organized to strengthen the business interests of all tobacco retailers on a collaborative and individual basis. Headquartered in Minneapolis, it helps its over 60,000 members across the country navigate and stay on top of tobacco-related legislation on the local, state, and federal levels. To learn more about NATO, please visit the website www.natocentral.org.

consumer

AGENCIES ANNOUNCE DOLLAR THRESHOLDS IN REGULATIONS Z AND M FOR EXEMPT CONSUMER CREDIT AND LEASE TRANSACTIONS

FOR IMMEDIATE RELEASE:
October 31, 2019

MEDIA CONTACT:
Office of Communications
Tel: (202) 435-7170

AGENCIES ANNOUNCE DOLLAR THRESHOLDS IN REGULATIONS Z AND M FOR EXEMPT CONSUMER CREDIT AND LEASE TRANSACTIONS

WASHINGTON, D.C. – The Consumer Financial Protection Bureau (CFPB) and Federal Reserve Board today announced the dollar thresholds in Regulation Z (Truth in Lending) and Regulation M (Consumer Leasing) that will apply for determining exempt consumer credit and lease transactions in 2020. These thresholds are set pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) amendments to the Truth in Lending Act and the Consumer Leasing Act that require adjusting these thresholds annually based on the annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). If there is no annual percentage increase in the CPI-W, the Federal Reserve Board and the Bureau will not adjust this exemption threshold from the prior year. However, in years following a year in which the exemption threshold was not adjusted, the threshold is calculated by applying the annual percentage change in CPI-W to the dollar amount that would have resulted, after rounding, if the decreases and any subsequent increases in the CPI-W had been taken into account. Transactions at or below the thresholds are subject to the protections of the regulations.

Based on the annual percentage increase in the CPI-W as of June 1, 2019, the protections of the Truth in Lending Act and the Consumer Leasing Act generally will apply to consumer credit transactions and consumer leases of $58,300 or less in 2020. However, private education loans and loans secured by real property (such as mortgages) are subject to the Truth in Lending Act regardless of the amount of the loan.

Although the Dodd-Frank Act generally transferred rulemaking authority under the Truth in Lending Act and the Consumer Leasing Act to the Bureau, the Federal Reserve Board retains authority to issue rules for certain motor vehicle dealers. Therefore, the agencies are issuing these notices jointly.

The Regulation M notice is available in the Federal Register here: https://www.federalregister.gov/documents/2019/10/30/2019-21554/consumer-leasing-regulation-m.

The Regulation Z notice is available in the Federal Register here: https://www.federalregister.gov/documents/2019/10/30/2019-21557/truth-in-lending-regulation-z.

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Media Contacts:

Federal Reserve Susan Stawick (202) 452-2955

CFPB Marisol Garibay (202) 435-5169

The Consumer Financial Protection Bureau is a 21st century agency that helps consumer finance markets work by regularly identifying and addressing outdated, unnecessary, or unduly burdensome regulations, by making rules more effective, by consistently enforcing federal consumer financial law, and by empowering consumers to take more control over their economic lives. For more information, visit consumerfinance.gov.

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