The CFPB removed the following items that were in the proposed rule from the Final Rule:

Machine readable record keeping: While the CFPB excluded this requirement from the Final Rule, they did note that they would continue to study this concept.

Changes to APR calculations: The CFPB excluded the proposed changes to the APR calculations based on industry feedback and comments. The Dodd-Frank Act requires the CFPB to report on this rule five years after its effective date, and they will study this issue as part of that.