United States Government Publishing Office publisher pbl distributor dst United States National Archives and Records Administration Office of the Federal Register author aut Government Organization text government publication eng FR Regulatory Information 2012_register executive 2012-09-12 article Part II Proposed Rules D09002ee1c7fc8e92 D09002ee1c7fc8f5c 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 Title 12 Part 1024 12 CFR Part 1024 Title 12 Part 1026 12 CFR Part 1026 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) , //oira_submission@omb.eop.gov CFPB_Public_PRA@cfpb.gov Bankrate.com http://ecfr.gpoaccess.gov/graphics/pdfs/ec27se91.024.pdf http://files.consumerfinance.gov/f/2011/08/Bulletin_20110819_ExPartePresentationsRulemakingProceedings.pdf http://files.consumerfinance.gov/f/201205_cfpb_MLO_SBREFA_Outline_of_Proposals.pdf http://files.consumerfinance.gov/f/201207_cfpb_report_tila-respa-sbrefa-feedback.pdf http://files.consumerfinance.gov/f/201207_cfpb_report_tila-respa-testing.pdf http://legalworkshop.org/wp-content/uploads/2009/07/cornell-A23090727-bar-gill.pdf http://mortgage.nationwidelicensingsystem.org/slr/common/mcr/Pages/default.aspx http://portal.hud.gov/hudportal/documents/huddoc?id=DOC_14574.pdf http://portal.hud.gov/hudportal/documents/huddoc?id=resparulefaqs422010.pdf http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/rmra/res/resroundup http://research.stlouisfed.org/publications/review/article/5019 http://works.bepress.com/karen_pence/5 http://www.cbs.state.or.us/dfcs/ml/mortgage_disclosures_translations.html http://www.census.gov/hhes/socdemo/language/data/acs/ACS-12.pdf http://www.consumerfinance.gov http://www.consumerfinance.gov/blog/sbrefa-small-providers-and-mortgage-disclosure/ http://www.consumerfinance.gov/knowbeforeyouowe/ http://www.consumerfinance.gov/notice-and-comment/ http://www.consumerfinance.gov/pressreleases/consumer-financial-protection-bureau-convenes-small-business-panel-for-know-before-you-owe-mortgage-disclosures/ http://www.corp.ca.gov/Forms/Default.asp http://www.federalreserve.gov/boarddocs/meetings/2009/20090723/Full%20Macro%20CE%20Report.pdf http://www.federalreserve.gov/boarddocs/rptcongress/tila.pdf http://www.federalreserve.gov/events/publichearings/hoepa/2006/20060711/transcript.pdf http://www.federalreserve.gov/newsevents/press/bcreg/20080714regzconstest.pdf http://www.federalreserve.gov/publications/other-reports/files/housing-white-paper-20120104.pdf http://www.federalreserve.gov/Pubs/feds/2006/200603/200603pap.pdf http://www.ftc.gov/os/2007/06/P025505MortgageDisclosureReport.pdf http://www.gao.gov/new.items/d061112t.pdf http://www.gpo.gov/fdsys/pkg/GPO-FCIC/pdf/GPO-FCIC.pdf http://www.hud.gov/foreclosure/ http://www.hud.gov/offices/adm/hudclips/forms/files/1.pdf http://www.hud.gov/offices/hsg/rmra/res/gfestimate.pdf http://www.huduser.org/portal/publications/hsgfin/title_charges_2012.html http://www.huduser.org/publications/pdf/Summary_Report_GFE.pdf http://www.in.gov/idoi/files/Indiana_Department_of_Insurance_FAQs.pdf http://www.nccob.gov/public/docs/Financial%20Institutions/Mortgage/OCOB_Letter_Regarding_Disclosure_of_Origination_Fees_under_HUDs_new_RESPA_Rules.pdf http://www.reginfo.gov/public/do/PRAViewDocument?ref_nbr=200810-2502-001 http://www.reginfo.gov/public/do/PRAViewICR?ref_nbr=201110-3170-013 http://www.regulations.gov http://www.sba.gov/content/table-small-business-size-standards http://www.stanford.edu/∼rehall/DiagnosingConsumerConfusionJune2012 http://www2.stetson.edu/fsr/abstracts/vol_9_num3_p277.pdf www.consumerfinance.gov/13000-lessons-learned www.consumerfinance.gov/know-before-you-owe-go www.consumerfinance.gov/know-before-you-owe-its-closing-time www.consumerfinance.gov/learnmore www.hud.gov/respa www.huduser.org/Publications/pdf/MortgageRefinance03.pdf www.reginfo.gov Vol. 77, no. 164 Office of the Federal Register, National Archives and Records Administration 2012-08-23 continuing daily deposited born digital 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 fdlp 50903 51457 DGPO 2012-09-12 2024-06-03 FR-2012-08-23 machine generated eng FR FR-2012-08-23 77 164