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2012-09-12
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Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth In Lending Act (Regulation Z)
Part II
Proposed Rules
D09002ee1bdcb3fe9
D09002ee1bdcb40b3
United States
Bureau of Consumer Financial Protection
originator
org
United States Government Agency or Subagency
Sections 1032(f), 1098, and 1100A of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) direct the Bureau to issue proposed rules and forms that combine certain disclosures that consumers receive in connection with applying for and closing on a mortgage loan under the Truth in Lending Act and the Real Estate Settlement Procedures Act. Consistent with this requirement, the Bureau is proposing to amend Regulation X (Real Estate Settlement Procedures Act) and Regulation Z (Truth in Lending) to establish new disclosure requirements and forms in Regulation Z for most closed-end consumer credit transactions secured by real property. In addition to combining the existing disclosure requirements and implementing new requirements in the Dodd-Frank Act, the proposed rule provides extensive guidance regarding compliance with those requirements.
77 FR 51116
https://www.govinfo.gov/app/details/FR-2012-08-23/2012-17663
2012-17663
fr23au12-21
RIN 3170-AA19
4810-25-P
Docket No. CFPB-2012-0028
https://www.govinfo.gov/app/details/FR-2012-08-23/2012-17663
https://www.govinfo.gov/content/pkg/FR-2012-08-23/html/2012-17663.htm
https://www.govinfo.gov/content/pkg/FR-2012-08-23/pdf/2012-17663.pdf
Condominiums
Consumer Protection
Housing
Mortgage Servicing
Mortgages
Recordkeeping Requirements
Reporting
Advertising
Credit
Credit Unions
National Banks
Savings Associations
Truth in Lending
342 p.
51116
51457
77 FR 51116
Code of Federal Regulations
Title 12 Part 1024
12 CFR Part 1024
Code of Federal Regulations
Title 12 Part 1026
12 CFR Part 1026
Regulation Identification Number 3170-AA19
RIN 3170-AA19
Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth In Lending Act (Regulation Z); Federal Register Vol. 77, Issue
PRORULE
2012-17663
II
BUREAU OF CONSUMER FINANCIAL PROTECTION
2012-11-06
Docket No. CFPB-2012-0028
4810-25-P
2012-17663
Proposed rule with request for public comment.
Sections 1032(f), 1098, and 1100A of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) direct the Bureau to issue proposed rules and forms that combine certain disclosures that consumers receive in connection with applying for and closing on a mortgage loan under the Truth in Lending Act and the Real Estate Settlement Procedures Act. Consistent with this requirement, the Bureau is proposing to amend Regulation X (Real Estate Settlement Procedures Act) and Regulation Z (Truth in Lending) to establish new disclosure requirements and forms in Regulation Z for most closed-end consumer credit transactions secured by real property. In addition to combining the existing disclosure requirements and implementing new requirements in the Dodd-Frank Act, the proposed rule provides extensive guidance regarding compliance with those requirements.
Comments regarding the proposed amendments to 12 CFR 1026.1(c) and 1026.4 must be received on or before September 7, 2012. For all other sections including proposed amendments, comments must be received on or before November 6, 2012.
David Friend, Michael G. Silver and Priscilla Walton-Fein, Counsels; Andrea Pruitt Edmonds, Richard B. Horn, Joan Kayagil, and Thomas J. Kearney, Senior Counsels; Paul Mondor, Senior Counsel & Special Advisor; and Benjamin K. Olson, Managing Counsel, Office of Regulations, at (202) 435-7700.
Condominiums
Consumer Protection
Housing
Mortgage Servicing
Mortgages
Recordkeeping Requirements
Reporting
Advertising
Credit
Credit Unions
National Banks
Savings Associations
Truth in Lending
Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)
,
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CFPB_Public_PRA@cfpb.gov
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www.reginfo.gov
Federal Register
Vol. 77, no. 164
Office of the Federal Register, National Archives and Records Administration
2012-08-23
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566 p.
Table of Contents:
AE 2.7:
GS 4.107:
AE 2.106:
KF70.A2
https://www.govinfo.gov/app/details/FR-2012-08-23
P0b002ee1834f8e08
0097-6326
0042-1219
0364-1406
769-004-00000-9
000582072
f:fr23au12
https://www.govinfo.gov/app/details/FR-2012-08-23
https://www.govinfo.gov/content/pkg/FR-2012-08-23/pdf/FR-2012-08-23.pdf
https://www.govinfo.gov/content/pkg/FR-2012-08-23/xml/FR-2012-08-23.xml
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51457
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2012-09-12
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FR-2012-08-23
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