The CFPB has adopted a rule which states its rules are deemed issued upon the earlier of:

  • when the final rule is posted on the Bureau’s Web site, or
  • when the final rule is published in the Federal Register.

The CFPB regularly posts final rules on its Web site. Typically on the same day, the CFPB will submit the document to the Office of the Federal Register. After a period of time that depends on the length of the document and other factors, the Office of the Federal Register will then make the document available for public inspection and then publish it in the Federal Register. The CFPB does not believe that delaying issuance until the rule is published in the Federal Register is necessary or in the public interest. Accordingly, the rule provides that when a final rule is posted on the CFPB’s Web site before it is published in the Federal Register, the posting on the Web site shall constitute the official issuance of the rule.