The CFPB has issued a list of regulatory matters under consideration between now and October, 2025, although many of the regulatory initiatives face an uncertain future once the Trump Administration takes office.

The CFPB has an ambitious agenda.

For instance, this month, the bureau said that it expects to issue a final rule governing the use of medical debts in credit reports. It also expects this month to issue a final rule governing the charging of non-sufficient fund fees for consumers who engage in transactions that are instantaneously declined based on the transactions exceeding their account balances.

Not all the rules the bureau listed will be issued soon. For instance, the bureau said it expects to issue in July, 2025 a final rule intended to simplify and streamline mortgage servicing rules. The mortgage industry thought the bureau might issue the rule by January 20, when President-Elect Donald Trump takes office.

As noted, all of the rules listed in the Regulatory Agenda face an uncertain future. Bureau Director Rohit Chopra, a proponent of strict regulations, is likely to lose his job when the new administration takes office, creating uncertainty about all CFPB regulatory activity. During his first term in office, Trump Administration officials made it clear that they opposed the strict regulatory regime of Democratic administrations. However, reversing course on final rules that have been adopted is not without its obstacles.

The CFPB has been particularly busy during the past few weeks. For instance, the CFPB has issued its long-awaited and controversial final overdraft regulation. And the bureau has released its final rule that applies certain existing residential mortgage protections to Property Assessed Clean Energy (PACE) loans. In addition, it has issued proposed rules and taken enforcement actions.

The CFPB has engaged in those activities even though the Republican leaders of the House and Senate committees overseeing the bureau asked Chopra to pause rulemaking during the remainder of the transition period.