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 2024-03-04 article Part II Rules and Regulations D09002ee1c7fa9b1f D09002ee1c7fa9bd4 United States Bureau of Consumer Financial Protection originator org United States Government Agency or Subagency United States Bureau of Consumer Financial Protection originator org United States Government Agency or Subagency Sections 1098 and 1100A of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) direct the Bureau to publish 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 amending 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 imposed by the Dodd-Frank Act, the final rule provides extensive guidance regarding compliance with those requirements. 78 FR 79730 https://www.govinfo.gov/app/details/FR-2013-12-31/2013-28210 2013-28210 fr31de13-15 RIN 3170-AA19 RIN 3170-AA19 4810-AM-P Docket No. CFPB-2012-0028 Docket No. CFPB-2012-0028 https://www.govinfo.gov/app/details/FR-2013-12-31/2013-28210 https://www.govinfo.gov/content/pkg/FR-2013-12-31/html/2013-28210.htm https://www.govinfo.gov/content/pkg/FR-2013-12-31/pdf/2013-28210.pdf Condominiums Consumer Protection Housing Mortgage Servicing Mortgages Reporting and Recordkeeping Requirements Advertising Credit Credit Unions National Banks Recordkeeping and Recordkeeping Requirements Reporting Savings Associations Truth in Lending 636 p. 79730 80365 78 FR 79730 Title 12 Part 1024 12 CFR Part 1024 Title 12 Part 1026 12 CFR Part 1026 RIN 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. 78, Issue RULE 2013-28210 II BUREAU OF CONSUMER FINANCIAL PROTECTION BUREAU OF CONSUMER FINANCIAL PROTECTION 2015-08-01 Docket No. CFPB-2012-0028 Docket No. CFPB-2012-0028 4810-AM-P 2013-28210 Final rule; official interpretation.

Sections 1098 and 1100A of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) direct the Bureau to publish 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 amending 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 imposed by the Dodd-Frank Act, the final rule provides extensive guidance regarding compliance with those requirements.

The rule is effective August 1, 2015. David Friend, Jane Gao, Eamonn K. Moran, Nora Rigby, Michael Scherzer, Priscilla Walton-Fein, Shiri Wolf, Counsels; Richard B. Horn, Senior Counsel & Special Advisor, Office of Regulations, Consumer Financial Protection Bureau, 1700 G Street NW., Washington, DC 20552 at (202) 435-7700. 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http://www.supremecourt.gov/opinions/12pdf/11-1447_4e46.pdf https://www.fanniemae.com/content/fact_sheet/ucd-overview.pdf Regulations.gov 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.consumerfinance.gov/mortgage-closing www.consumerfinance.gov/mortgage-estimate www.hud.gov/respa www.huduser.org/Publications/pdf/MortgageRefinance03.pdf www.reginfo.gov Vol. 78, no. 251 Office of the Federal Register, National Archives and Records Administration 2013-12-31 continuing daily deposited born digital 904 p. Table of Contents: AE 2.7: GS 4.107: AE 2.106: KF70.A2 https://www.govinfo.gov/app/details/FR-2013-12-31 P0b002ee1c5512da1 0097-6326 0042-1219 0364-1406 769-004-00000-9 000582072 f:fr31de13 https://www.govinfo.gov/app/details/FR-2013-12-31 https://www.govinfo.gov/content/pkg/FR-2013-12-31/pdf/FR-2013-12-31.pdf https://www.govinfo.gov/content/pkg/FR-2013-12-31/xml/FR-2013-12-31.xml fdlp 79567 80462 DGPO 2024-03-04 2024-06-03 FR-2013-12-31 machine generated eng FR FR-2013-12-31 78 251