12 CFR §1014.4 — Waiver not permitted (Regulation N / Mortgage Acts and Practices — Advertising Rule, CFPB)

reg-n-1014-4

Regulation N §1014.4 prohibits any person from obtaining or attempting to obtain a waiver from any consumer of any protection or right provided under the MAP Rule.

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source:
  type: regulation
  id: reg-n-1014.4
  authority: 12 CFR §1014.4 — Waiver not permitted (Regulation N / Mortgage Acts and Practices — Advertising Rule, CFPB)
  description: |
    Regulation N §1014.4 prohibits any person from obtaining or attempting to obtain a waiver from any consumer of any protection or right provided under the MAP Rule.
obligations:
  - id: reg-n-1014.4-waiver-not-permitted
    canonical_id: reg-n-1014.4-waiver-not-permitted
    section: 12 CFR §1014.4
    description: 'Waiver not permitted: it is a violation of the MAP Rule for any person to obtain, or attempt to obtain, a waiver from any consumer of any protection or right under the rule.'
    type: dont
    audit_question: Can [LENDER] demonstrate it does not obtain or attempt to obtain from any consumer a waiver of any protection or right under the MAP Rule?
    program_review: Do [LENDER]'s P&Ps prohibit seeking any consumer waiver of MAP-Rule protections or rights, and is that prohibition reflected in disclosures/agreements?
    file_review: Confirm no consumer-facing agreement or script obtains or attempts to obtain a waiver of any MAP-Rule protection or right.
    judgment: false
    feeds: []
    workflow_phase: loan_origination
    owner_role: compliance_officer
    secondary_owner_role: ''
    cadence: triggered
    consequence: ''
    tags:
      - regulator-direct
      - gap-fill
    primary_source:
      tier: 1
      authority: 12 CFR Part 1014 — Regulation N / MAP Rule (Mortgage Acts and Practices, CFPB) § 1014.4
      source_class: ecfr-xml
      source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1014
      snapshot_id: 418ac7f43f6eea48
      fetched_at: '2026-05-27T16:43:20+00:00'
      content_hash: sha256:3b9c01cde490bf2cfb5bfb10c835fd26b53792322c7dc27a49a374d541ccbf6f
      paragraph_quote: It is a violation of this part for any person to obtain, or attempt to obtain, a waiver from any consumer of any protection provided by or any right of the consumer under this part.
    promoted_at: '2026-06-18T02:05:00+00:00'
    promoted_from: reg-n-1014-gap-sections-v1.yaml
    source_provenance:
      source_id: reg-n-1014
      fetched_at: '2026-05-27T16:43:20+00:00'
      content_hash: sha256:3b9c01cde490bf2cfb5bfb10c835fd26b53792322c7dc27a49a374d541ccbf6f

Verbatim regulatory text (1)

Verbatim provisions from 12 CFR §1014.4 — Waiver not permitted (Regulation N / Mortgage Acts and Practices — Advertising Rule, CFPB) — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

12 CFR §1014.4

It is a violation of this part for any person to obtain, or attempt to obtain, a waiver from any consumer of any protection provided by or any right of the consumer under this part.

Source: 12 CFR Part 1014 — Regulation N / MAP Rule (Mortgage Acts and Practices, CFPB) § 1014.4 · source URL · snapshot 418ac7f43f6eea48