{"abstract":"The Bureau of Consumer Financial Protection (Bureau) is proposing to delay the August 19, 2019 compliance date for the mandatory underwriting provisions of the regulation promulgated by the Bureau in November 2017 governing Payday, Vehicle Title, and Certain High-Cost Installment Loans (2017 Final Rule or Rule) by 15 months to November 19, 2020. This proposal is related to another proposal, published separately in this issue of the Federal Register, seeking comment on whether the Bureau should rescind the mandatory underwriting provisions of the 2017 Final Rule.","action":"Notice of proposed rulemaking.","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/2019/02/14/2019-01905.html","cfr_references":[{"chapter":null,"citation_url":null,"part":1041,"title":12}],"citation":"84 FR 4298","comment_url":null,"comments_close_on":"2019-03-18","correction_of":null,"corrections":[],"dates":"Comments must be received on or before March 18, 2019.","disposition_notes":null,"docket_ids":["Docket No. CFPB-2019-0007"],"dockets":[{"supporting_documents":[{"title":"John Hecht, State of the Industry-Innovating and Adapting Amongst a Complex Backdrop (Mar 20, 2019)","document_id":"CFPB-2019-0007-0163"}],"agency_name":"CFPB","documents":[{"comment_count":161,"comment_start_date":"2019-02-14","updated_at":"2023-02-28T18:27:35.504-05:00","comment_url":"https://www.regulations.gov/commenton/CFPB-2019-0007-0001","allow_late_comments":null,"id":"CFPB-2019-0007-0001","comment_end_date":"2019-03-19","regulations_dot_gov_open_for_comment":false}],"supporting_documents_count":1,"id":"CFPB-2019-0007","title":"Payday, Vehicle Title, and Certain High-Cost Installment Loans; Delay of Compliance Date"}],"document_number":"2019-01905","effective_on":null,"end_page":4305,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2019/02/14/2019-01905.xml","html_url":"https://www.federalregister.gov/documents/2019/02/14/2019-01905/payday-vehicle-title-and-certain-high-cost-installment-loans-delay-of-compliance-date","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2019-01905?publication_date=2019-02-14","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2019-02-14/2019-01905/mods.xml","not_received_for_publication":null,"page_length":8,"page_views":{"count":2656,"last_updated":"2026-04-23 18:15:03 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2019-02-14/pdf/2019-01905.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2019-01905.pdf?1549919721","publication_date":"2019-02-14","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2019/02/14/2019-01905.txt","regulation_id_number_info":{"3170-AA95":{"issue":"201904","html_url":"https://www.federalregister.gov/regulations/3170-AA95/payday-vehicle-title-and-certain-high-cost-installment-loans-delay-of-compliance-date","title":"Payday, Vehicle Title, and Certain High-Cost Installment Loans; Delay of Compliance Date","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201904&RIN=3170-AA95&operation=OPERATION_EXPORT_XML","priority_category":"Other Significant"}},"regulation_id_numbers":["3170-AA95"],"regulations_dot_gov_info":{"supporting_documents":[{"title":"John Hecht, State of the Industry-Innovating and Adapting Amongst a Complex Backdrop (Mar 20, 2019)","document_id":"CFPB-2019-0007-0163"}],"regulatory_plan":{"html_url":"https://www.federalregister.gov/regulations/3170-AA95/payday-vehicle-title-and-certain-high-cost-installment-loans-delay-of-compliance-date","title":"Payday, Vehicle Title, and Certain High-Cost Installment Loans; Delay of Compliance Date"},"comments_count":161,"agency_id":"CFPB","comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=CFPB-2019-0007","supporting_documents_count":1,"docket_id":"CFPB-2019-0007","document_id":"CFPB-2019-0007-0001","regulation_id_number":"3170-AA95","title":"Payday, Vehicle Title, and Certain High-Cost Installment Loans; Delay of Compliance Date","checked_regulationsdotgov_at":"2023-02-28T23:27:34Z"},"regulations_dot_gov_url":null,"significant":true,"signing_date":null,"start_page":4298,"subtype":null,"title":"Payday, Vehicle Title, and Certain High-Cost Installment Loans; Delay of Compliance Date","toc_doc":"Payday, Vehicle Title, and Certain High-Cost Installment Loans; Delay of Compliance Date","toc_subject":null,"topics":[],"type":"Proposed Rule","volume":84}