AWACSMortgage compliance intelligence from Flightline

CFPB · Direct final rule FR Doc. 2025-08640 · Published

CFPB Rescinds State Official Notification Rules (12 CFR Part 1082)

The CFPB is removing and reserving 12 CFR part 1082, its procedures for State officials to notify the Bureau when they take action to enforce the Consumer Financial Protection Act. The rule imposes no new obligations on lenders or servicers, and the statutory notification requirement in the CFPA remains.

InformationalEffective Jul 21, 2025All checks passedRead the rule ↗ (opens in a new tab)

Loan impact

From the rule text · verified

Applies to: State officials who must notify the CFPB of actions to enforce the Consumer Financial Protection Act; no lender or servicer loans are affected.

Affected area
EnforcementGuide Section 12 CFR part 1082
Effective
Jul 21, 2025
Applicability confidence
Verified: every row above is supported by the source text
Supporting quotes from the rule
  • affected areas“This direct final rule rescinds the Consumer Financial Protection Bureau’s (Bureau’s) procedures by which a State official must notify the Bureau when the official takes an action to enforce the Consumer Financial Protection Act.”
  • guide sections“For the reasons set forth above, under the authority of 12 U.S.C. 5552(c), the Bureau is removing and reserving 12 CFR part 1082.”

What changed

From the rule text · Section 12 CFR 1082.1
RequirementPreviouslyNow
State official notification regulations rescindedRemovedNot stated12 CFR part 1082 removed and reserved; statutory notice requirement in CFPA section 1042(b) remains

Also affected: Section 12 CFR part 1082.

What to do

AWACS interpretation · not source language

What to review: No change is mandatory for lenders or servicers: the CFPB is removing and reserving 12 CFR part 1082, the State official notification procedures, effective July 21, 2025 unless significant adverse comments are received by June 20, 2025, and the statutory notice requirement in CFPA section 1042(b) remains.

Source and record

Version 1 · archived

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