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 2013_register executive 2013-01-31 article Part VI Rules and Regulations D09002ee1c7fbe901 D09002ee1c7fbe9be United States Bureau of Consumer Financial Protection originator org United States Government Agency or Subagency The Bureau of Consumer Financial Protection (Bureau) is amending Regulation B, which implements the Equal Credit Opportunity Act (ECOA), and the Bureau's official interpretations of the regulation, which interpret and clarify the requirements of Regulation B. The final rule revises Regulation B to implement an ECOA amendment concerning appraisals and other valuations that was enacted as part of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd- Frank Act). In general, the revisions to Regulation B require creditors to provide to applicants free copies of all appraisals and other written valuations developed in connection with an application for a loan to be secured by a first lien on a dwelling, and require creditors to notify applicants in writing that copies of appraisals will be provided to them promptly. 78 FR 7216 https://www.govinfo.gov/app/details/FR-2013-01-31/2013-01384 2013-01384 fr31ja13-15 RIN 3170-AA26 4810-AM-P Docket No. CFPB-2012-0032 https://www.govinfo.gov/app/details/FR-2013-01-31/2013-01384 https://www.govinfo.gov/content/pkg/FR-2013-01-31/html/2013-01384.htm https://www.govinfo.gov/content/pkg/FR-2013-01-31/pdf/2013-01384.pdf Aged Banks Banking Civil Rights Consumer Protection Credit Credit Unions Discrimination Fair Lending Marital Status Discrimination National Banks National Origin Discrimination Penalties Race Discrimination Religious Discrimination Reporting and Recordkeeping Requirements Savings Associations Sex Discrimination 35 p. 7216 7250 78 FR 7216 Title 12 Part 1002 12 CFR Part 1002 RIN 3170-AA26 Disclosure and Delivery Requirements for Copies of Appraisals and Other Written Valuations Under the Equal Credit Opportunity Act (Regulation B); Federal Register Vol. 78, Issue RULE 2013-01384 VI BUREAU OF CONSUMER FINANCIAL PROTECTION 2014-01-18 Docket No. CFPB-2012-0032 4810-AM-P 2013-01384 Final rule; official interpretations.

The Bureau of Consumer Financial Protection (Bureau) is amending Regulation B, which implements the Equal Credit Opportunity Act (ECOA), and the Bureau's official interpretations of the regulation, which interpret and clarify the requirements of Regulation B. The final rule revises Regulation B to implement an ECOA amendment concerning appraisals and other valuations that was enacted as part of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd- Frank Act). In general, the revisions to Regulation B require creditors to provide to applicants free copies of all appraisals and other written valuations developed in connection with an application for a loan to be secured by a first lien on a dwelling, and require creditors to notify applicants in writing that copies of appraisals will be provided to them promptly.

This final rule is effective January 18, 2014. Owen Bonheimer, Counsel, or William W. Matchneer, Senior Counsel, Office of Regulations, at (202) 435-7000. Aged Banks Banking Civil Rights Consumer Protection Credit Credit Unions Discrimination Fair Lending Marital Status Discrimination National Banks National Origin Discrimination Penalties Race Discrimination Religious Discrimination Reporting and Recordkeeping Requirements Savings Associations Sex Discrimination Requirements for Copies of Appraisals and Other Written Valuations Under the Equal Credit Opportunity Act , CFPB_Public_PRA@cfpb.gov http://consumerfinance.gov/regulations/ http://files.consumerfinance.gov/f/201207_cfpb_report_tila-respa-testing.pdf http://www.consumerfinance.gov/knowbeforeyouowe http://www.consumerfinance.gov/regulations/ http://www.federalreserve.gov/boarddocs/caletters/2009/0913/caltr0913.htm http://www.ffiec.gov/hmda http://www.fhfa.gov/webfiles/2302/HVCCFinalCODE122308.pdf http://www.freddiemac.com/singlefamily/appraiser_independence_faq.html#52 http://www.hud.gov/pub/chums/f17fvc/hecm.cfm http://www.marketintelligencereports.co http://www2.fdic.gov/call_tfr_rpts/ https://www.fanniemae.com/content/fact_sheet/air.pdf https://www.fanniemae.com/content/faq/appraiser-independence-requirements-faqs.pdf Vol. 78, no. 21 Office of the Federal Register, National Archives and Records Administration 2013-01-31 continuing daily deposited born digital 537 p. Table of Contents: AE 2.7: GS 4.107: AE 2.106: KF70.A2 https://www.govinfo.gov/app/details/FR-2013-01-31 P0b002ee183bd7b6c 0097-6326 0042-1219 0364-1406 769-004-00000-9 000582072 f:fr31ja13 https://www.govinfo.gov/app/details/FR-2013-01-31 https://www.govinfo.gov/content/pkg/FR-2013-01-31/pdf/FR-2013-01-31.pdf https://www.govinfo.gov/content/pkg/FR-2013-01-31/xml/FR-2013-01-31.xml fdlp 6725 7253 DGPO 2013-01-31 2024-06-03 FR-2013-01-31 machine generated eng FR FR-2013-01-31 78 21