{"abstract":"The Bureau of Consumer Financial Protection (Bureau) is issuing this final rule 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). Compliance with these provisions of the Rule is delayed by 15 months, to November 19, 2020. The Bureau is also making certain conforming changes and corrections to address several clerical and non-substantive errors it has identified in the Rule.","action":"Final rule; delay of compliance date; correcting amendments.","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/2019/06/17/2019-12307.html","cfr_references":[{"chapter":null,"citation_url":null,"part":1041,"title":12}],"citation":"84 FR 27907","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"Effective date: The amendments in this final rule are effective on August 16, 2019.","disposition_notes":null,"docket_ids":["Docket No. CFPB-2019-0007"],"dockets":[],"document_number":"2019-12307","effective_on":"2019-08-16","end_page":27930,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2019/06/17/2019-12307.xml","html_url":"https://www.federalregister.gov/documents/2019/06/17/2019-12307/payday-vehicle-title-and-certain-high-cost-installment-loans-delay-of-compliance-date-correcting","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2019-12307?publication_date=2019-06-17","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2019-06-17/2019-12307/mods.xml","not_received_for_publication":null,"page_length":24,"page_views":{"count":3241,"last_updated":"2026-07-26 06:15:03 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2019-06-17/pdf/2019-12307.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2019-12307.pdf?1560516316","publication_date":"2019-06-17","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2019/06/17/2019-12307.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_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","regulation_id_number":"3170-AA95","title":"Payday, Vehicle Title, and Certain High-Cost Installment Loans; Delay of Compliance Date","checked_regulationsdotgov_at":"2019-06-20T03:00:08Z"},"regulations_dot_gov_url":null,"significant":true,"signing_date":null,"start_page":27907,"subtype":null,"title":"Payday, Vehicle Title, and Certain High-Cost Installment Loans; Delay of Compliance Date; Correcting Amendments","toc_doc":"Payday, Vehicle Title, and Certain High-Cost Installment Loans; Delay of Compliance Date; Correcting Amendments","toc_subject":null,"topics":["Banks, banking","Consumer protection","Credit","Credit unions","Reporting and recordkeeping requirements","Savings associations","Trade practices"],"type":"Rule","volume":84}