12 CFR — Banks and Banking
Appendix C to Part 1006—Issuance of Advisory Opinions
United States · 12 CFR — Banks and Banking · Status: effective
Cite this
- Citation
- 12 CFR — Banks and Banking, Appendix C to Part 1006—Issuance of Advisory Opinions, United States, version 1 as recorded 2026-07-09, yourstate.us, https://yourstate.us/provision/49274
- Permanent ID
ys:prov:49274@1- SHA-256
4455cea861a8e7b5a22b3ea23c2dc63dc4d75d9170ea31c3c1909c59fbfb0dff
The hash is SHA-256 of this version's text, with every run of whitespace collapsed to a single space and the ends trimmed. The ID always leads back here, and checking it says whether the text you cited is still the current version.
Full text
1. Advisory opinions. Any act done or omitted in good faith in conformity with any advisory opinion issued by the Bureau, including advisory opinions referenced in this appendix, provides the protection afforded under section 813(e) of the Act. The Bureau will amend this appendix periodically to incorporate references to advisory opinions that the Bureau issues.
2. Requests for issuance of advisory opinions. A request for an advisory opinion may be submitted in accordance with the instructions regarding submission and content of requests applicable to any relevant advisory opinion program that the Bureau offers. Requests for advisory opinions will be reviewed consistent with the process outlined in any such program, and any resulting advisory opinions will be published in the Federal Register and on consumerfinance.gov.
3. Bureau-issued advisory opinions. The Bureau has issued the following advisory opinions:
a. Safe Harbors from Liability under the Fair Debt Collection Practices Act for Certain Actions Taken in Compliance with Mortgage Servicing Rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z), 81 FR 71977 (Oct. 19, 2016).
Legislative history
This is a federal regulation, adopted through agency rulemaking under the Administrative Procedure Act — not enacted by a recorded vote of Congress.