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 2014_register executive 2014-12-15 article Part II Proposed Rules D09002ee1c7f82551 D09002ee1c7f825f7 United States Bureau of Consumer Financial Protection originator org United States Government Agency or Subagency The Bureau of Consumer Financial Protection (Bureau) is proposing amendments to certain mortgage servicing rules issued in 2013. These proposed amendments focus primarily on clarifying, revising, or amending provisions regarding force-placed insurance notices, policies and procedures, early intervention, and loss mitigation requirements under Regulation X's servicing provisions; and periodic statement requirements under Regulation Z's servicing provisions. The proposed amendments also address proper compliance regarding certain servicing requirements when a consumer is a potential or confirmed successor in interest, is in bankruptcy, or sends a cease communication request under the Fair Debt Collection Practices Act. The proposed rule makes technical corrections to several provisions of Regulations X and Z. The Bureau requests public comment on these changes. 79 FR 74176 https://www.govinfo.gov/app/details/FR-2014-12-15/2014-28167 2014-28167 fr15de14-29 RIN 3170-AA49 4810-AM-C Docket No. CFPB-2014-0033 https://www.govinfo.gov/app/details/FR-2014-12-15/2014-28167 https://www.govinfo.gov/content/pkg/FR-2014-12-15/html/2014-28167.htm https://www.govinfo.gov/content/pkg/FR-2014-12-15/pdf/2014-28167.pdf Condominiums Consumer Protection Housing Mortgage Servicing Mortgages Reporting and Recordkeeping Requirements Advertising Credit Credit Unions National Banks Reporting Savings Associations Truth in Lending 130 p. 74176 74305 79 FR 74176 Title 12 Part 1024 12 CFR Part 1024 Title 12 Part 1026 12 CFR Part 1026 RIN 3170-AA49 Amendments to the 2013 Mortgage Rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z); Federal Register Vol. 79, Issue PRORULE 2014-28167 II BUREAU OF CONSUMER FINANCIAL PROTECTION 2015-03-16 Docket No. CFPB-2014-0033 4810-AM-C 2014-28167 Proposed rule with request for comment.

The Bureau of Consumer Financial Protection (Bureau) is proposing amendments to certain mortgage servicing rules issued in 2013. These proposed amendments focus primarily on clarifying, revising, or amending provisions regarding force-placed insurance notices, policies and procedures, early intervention, and loss mitigation requirements under Regulation X's servicing provisions; and periodic statement requirements under Regulation Z's servicing provisions. The proposed amendments also address proper compliance regarding certain servicing requirements when a consumer is a potential or confirmed successor in interest, is in bankruptcy, or sends a cease communication request under the Fair Debt Collection Practices Act. The proposed rule makes technical corrections to several provisions of Regulations X and Z. The Bureau requests public comment on these changes.

Comments must be received on or before March 16, 2015. Dania L. Ayoubi, David H. Hixson, Bradley S. Lipton, Joel L. Singerman, or Shiri B. Wolf, Counsels; or William R. Corbett or Laura A. Johnson, Senior Counsels; Office of Regulations, at (202) 435-7700. Condominiums Consumer Protection Housing Mortgage Servicing Mortgages Reporting and Recordkeeping Requirements Advertising Credit Credit Unions National Banks Reporting Savings Associations Truth in Lending 2013 Mortgage Rules 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 FederalRegisterComments@cfpb.gov http://files.consumerfinance.gov/f/2011/08/Bulletin_20110819_ExPartePresentationsRulemakingProceedings.pdf http://files.consumerfinance.gov/f/201204_cfpb_bulletin_service-providers.pdf http://files.consumerfinance.gov/f/201310_cfpb_mortgage-servicing_bulletin.pdf http://files.consumerfinance.gov/f/201407_cfpb_memo_ensuring-equal-treatment-for-same-sex-married-couples.pdf http://www.aba.com/Advocacy/commentletters/Documents/ABALetterRollingDelinquencies102414.pdf http://www.allregs.com/tpl/Main.aspx http://www.census.gov/content/dam/Census/programs-surveys/ahs/data/2011/h150-11.pdf http://www.cga.ct.gov/2010/rpt/2010-R-0327.htm http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-lays-out-implementation-plan-for-new-mortgage-rules/ http://www.fhfa.gov/AboutUs/Reports/ReportDocuments/ForeclosurePreventionReportJan2014FINAL.pdf http://www.fhfa.gov/AboutUs/Reports/ReportDocuments/ForeclosurePreventionReportMay2014FINAL.pdf http://www.freddiemac.com/singlefamily/guide/bulletins/pdf/bll1303.pdf http://www.hud.gov/offices/adm/hudclips/letters/mortgagee/2008ml.cfm http://www.justice.gov/ust/eo/private_trustee/data_statistics/ch13.htm http://www.nationalmortgagesettlement.com/ http://www.nber.org/papers/w15472 http://www.occ.gov/news-issuances/news-releases/2011/nr-occ-2011-47a.pdf http://www.occ.gov/publications/publications-by-type/other-publications-reports/mortgage-metrics-2014/mortgage-metrics-q1-2014.pdf http://www.publicintegrity.org/2014/09/10/15463/homeowners-steamrolled-florida-courts-clear-foreclosure-backlog http://www.regulations.gov http://www.uscourts.gov/uscourts/Statistics/BankruptcyStatistics/BankruptcyFilings/2013/1213_f2.pdf https://d9klfgibkcquc.cloudfront.net/Ocwen-Consent-Judgment-Ex-A.pdf https://www.fanniemae.com/content/announcement/svc1317.pdf https://www.fanniemae.com/content/announcement/svc1406.pdf https://www.fanniemae.com/content/guide/svc031412.pdf https://www.fanniemae.com/content/legal_form/3005w.doc https://www.fanniemae.com/content/legal_form/3033w.doc https://www.fanniemae.com/singlefamily/security-instruments https://www.hmpadmin.com/portal/programs/docs/hamp_servicer/mhahandbook_44.pdf https://www.hmpadmin.com/portal/programs/docs/hamp_servicer/sd1112.pdf Vol. 79, no. 240 Office of the Federal Register, National Archives and Records Administration 2014-12-15 continuing daily deposited born digital 576 p. Table of Contents: AE 2.7: GS 4.107: AE 2.106: KF70.A2 https://www.govinfo.gov/app/details/FR-2014-12-15 P0b002ee18a79d715 0097-6326 0042-1219 0364-1406 769-004-00000-9 000582072 f:fr15de14 https://www.govinfo.gov/app/details/FR-2014-12-15 https://www.govinfo.gov/content/pkg/FR-2014-12-15/pdf/FR-2014-12-15.pdf https://www.govinfo.gov/content/pkg/FR-2014-12-15/xml/FR-2014-12-15.xml fdlp 74015 74490 DGPO 2014-12-15 2024-06-02 FR-2014-12-15 machine generated eng FR FR-2014-12-15 79 240