{"abstract":"The Bureau of Consumer Financial Protection (Bureau) is amending subpart B of Regulation E, which implements the Electronic Fund Transfer Act, and the official interpretation to the regulation (Remittance Rule). This final rule extends a temporary provision that permits insured institutions to estimate certain pricing disclosures pursuant to section 1073 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. Absent further action by the Bureau, that exception would have expired on July 21, 2015. Based on a determination that the termination of the exception would negatively affect the ability of insured institutions to send remittance transfers, the Bureau is extending the temporary exception by five years from July 21, 2015, to July 21, 2020. The Bureau is also making several clarifications and technical corrections to the regulation and commentary.","action":"Final rule; official interpretation.","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2014/09/18/2014-20681.html","cfr_references":[{"chapter":null,"citation_url":null,"part":1005,"title":12}],"citation":"79 FR 55970","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"This rule is effective on November 17, 2014.","disposition_notes":null,"docket_ids":["Docket No. CFPB-2014-0008"],"dockets":[],"document_number":"2014-20681","effective_on":"2014-11-17","end_page":55995,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2014/09/18/2014-20681.xml","html_url":"https://www.federalregister.gov/documents/2014/09/18/2014-20681/electronic-fund-transfers-regulation-e","images":{"ER18SE14.015":{"large":"https://img.federalregister.gov/ER18SE14.015/ER18SE14.015_large.png","medium":"https://img.federalregister.gov/ER18SE14.015/ER18SE14.015_medium.png","original_size":"https://img.federalregister.gov/ER18SE14.015/ER18SE14.015_original_size.png"},"ER18SE14.016":{"large":"https://img.federalregister.gov/ER18SE14.016/ER18SE14.016_large.png","medium":"https://img.federalregister.gov/ER18SE14.016/ER18SE14.016_medium.png","original_size":"https://img.federalregister.gov/ER18SE14.016/ER18SE14.016_original_size.png"}},"images_metadata":{"ER18SE14.015":{"large":{"identifier":"ER18SE14.015","content_type":"image/png","size":68870,"width":823,"sha":"ed6e10741bf19b33ab3ac0fc3e54a7f2","url":"https://img.federalregister.gov/ER18SE14.015/ER18SE14.015_large.png","height":1155},"medium":{"identifier":"ER18SE14.015","content_type":"image/png","size":24995,"width":492,"sha":"86010dd6947dc8970ebd5dd4dbac2b41","url":"https://img.federalregister.gov/ER18SE14.015/ER18SE14.015_medium.png","height":690},"original_size":{"identifier":"ER18SE14.015","content_type":"image/png","size":155970,"width":3717,"sha":"715c969d6c278e1fa06b1f55f9862fa8","url":"https://img.federalregister.gov/ER18SE14.015/ER18SE14.015_original_size.png","height":5216}},"ER18SE14.016":{"large":{"identifier":"ER18SE14.016","content_type":"image/png","size":61878,"width":822,"sha":"74f3753a28f1d837415eccf01bb39bd2","url":"https://img.federalregister.gov/ER18SE14.016/ER18SE14.016_large.png","height":1174},"medium":{"identifier":"ER18SE14.016","content_type":"image/png","size":27245,"width":506,"sha":"0390ab3490d14b57e43240e39673c40a","url":"https://img.federalregister.gov/ER18SE14.016/ER18SE14.016_medium.png","height":723},"original_size":{"identifier":"ER18SE14.016","content_type":"image/png","size":185329,"width":3822,"sha":"387ea8f5d0576cbff27da0f8506c751d","url":"https://img.federalregister.gov/ER18SE14.016/ER18SE14.016_original_size.png","height":5461}}},"json_url":"https://www.federalregister.gov/api/v1/documents/2014-20681?publication_date=2014-09-18","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2014-09-18/2014-20681/mods.xml","not_received_for_publication":null,"page_length":26,"page_views":{"count":24331,"last_updated":"2026-10-24 04:15:05 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2014-09-18/pdf/2014-20681.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2014-20681.pdf?1410957743","publication_date":"2014-09-18","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2014/09/18/2014-20681.txt","regulation_id_number_info":{"3170-AA45":{"issue":"201404","html_url":"https://www.federalregister.gov/regulations/3170-AA45/extension-of-the-temporary-exception-for-certain-disclosures-under-the-remittance-transfer-rule","title":"Extension of the Temporary Exception for Certain Disclosures Under the Remittance Transfer Rule","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201404&RIN=3170-AA45&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"}},"regulation_id_numbers":["3170-AA45"],"regulations_dot_gov_info":{"supporting_documents":[],"comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=CFPB_FRDOC_0001","supporting_documents_count":0,"docket_id":"CFPB_FRDOC_0001","regulation_id_number":null,"title":"Recently Posted CFPB Rules and Notices.","checked_regulationsdotgov_at":"2014-10-08T06:00:13Z"},"regulations_dot_gov_url":null,"significant":false,"signing_date":null,"start_page":55970,"subtype":null,"title":"Electronic Fund Transfers (Regulation E)","toc_doc":"Electronic Fund Transfers (Regulation E)","toc_subject":null,"topics":["Consumer protection","Credit unions","Electronic funds transfers","Reporting and recordkeeping requirements","Savings associations"],"type":"Rule","volume":79}