Loan impact
From the rule text · verifiedApplies to: Respondents and third parties in CFPB adjudication proceedings; no loan-level requirements are changed.
- Affected area
- EnforcementGuide Section 1081.212
- Effective
- Oct 29, 2025
- Applicability confidence
- Verified: every row above is supported by the source text
Supporting quotes from the rule
- affected areas“The rule imposes compliance burdens only on the handful of entities that are respondents in adjudication proceedings or third-party recipients of discovery requests.”
- guide sections“Accordingly, the CFPB is rescinding amendments to §§ 1081.212 and 1081.213 related to dispositive motions and making other conforming changes consistent with this rescission.”
What changed
From the rule text · Sections 1081.212, 1081.213, 1081.203, 1081.204(c), 1081.208, 1081.209, 1081.408, 1081.114(a), 1081.206| Requirement | Previously | Now |
|---|---|---|
| Rulings on dispositive motions returned to hearing officerRemovedSection 1081.212, 1081.213 | Previously: Director could rule on a dispositive motion, refer it to the hearing officer, or rule in part and refer in part. | 2022 and 2023 amendments to Rules 212 and 213 rescinded; hearing officer decides dispositive motions. |
| Scheduling conference disclosure requirements rescindedRemovedSection 1081.203 | Not stated | Amendments to § 1081.203(c), (d), (e) on scheduling conference disclosures rescinded. |
| Bifurcation of proceedings rescindedRemovedSection 1081.204(c) | Previously: Rule 204(c) provided that the Director may order the proceeding divided into two or more stages. | Amendments under § 1081.204(c) on bifurcation rescinded. |
| Discovery depositions and related subpoena amendments rescindedRemovedSection 1081.208, 1081.209 | Previously: Rule 209 permitted discovery depositions, by oral examination or written questions, in addition to depositions of unavailable witnesses. | Amendments to §§ 1081.208 and 1081.209 on depositions and subpoenas rescinded. |
| Issue exhaustion rule rescindedRemovedSection 1081.408 | Previously: A party must raise an argument before the hearing officer or it is not preserved for later consideration by the Director. | § 1081.408 amendments on issue exhaustion rescinded. |
| Unnecessary technical amendments rescindedRemoved | Not stated | Retitling of recommended decision, pronoun changes and 'shall' replacements rescinded. |
| Rule 114 time computation retainedClarifiedSection 1081.114(a) | Not stated | Simplified deadline computation and 14-day periods retained. |
| Electronic copies of documents retainedClarifiedSection 1081.206 | Not stated | CFPB may provide electronic copies of documents to respondents. |
| Nomenclature amendments retainedClarified | Not stated | Certain replacements of 'the Bureau' with specific CFPB offices retained. |
Also affected: Sections 1081.212, 1081.213, 1081.204, 1081.208, 1081.209, 1081.114.
What to do
AWACS interpretation · not source languageWhat to review: No change in this rule is mandatory and no loan-level requirements change, so compliance may simply note that, effective October 29, 2025, the CFPB rescinded most 2022 and 2023 adjudication rule amendments (dispositive motions, bifurcation, discovery depositions, scheduling-conference disclosures, issue exhaustion) while retaining the deadline computation, electronic document copies and certain nomenclature changes, which matters only for respondents and third parties in CFPB adjudication proceedings.
Source and record
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Source
- Final rule FR Doc. 2025-19687 (official) ↗ (opens in a new tab)
- Archived copy, SHA-256 6e1d2030ba4e…
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