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-full
    canonical_id: reg-n-1014.4-full
    section: 12 CFR §1014.4
    description: '&#xA7; 1014.4 Waiver not permitted. 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.'
    type: do
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - regulator-direct
      - section-complete
      - ecfr-xml
    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: '&#xA7; 1014.4 Waiver not permitted. 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.'
      drafter_attestation: Verbatim subsection of CFR §1014.4 from eCFR snapshot 418ac7f43f6eea48; section-bounded by § markers; substring-verified.

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

§ 1014.4 Waiver not permitted. 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

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

This is verbatim, source-snapshotted regulator text from the Claude for Compliance open corpus. To turn a rule like this into compliance work product: gap-analyze your policies and procedures (P&Ps) against these requirements to surface stale, conflicting, or missing provisions; operationalize any change with a ready-to-run update kit; and produce audit-ready evidence — every step grounded only in the regulator’s own words, never invented.

Source of record: https://claudeforcompliance.com/regs/reg-n-1014-4/ · register reg-n-1014-4 · Claude for Compliance. Free to read and download; see regulatory updates and methodology.