3133-AE04 201210 The Regulatory Plan and the Unified Agenda of Federal Regulatory and Deregulatory Actions 3133 National Credit Union Administration NCUA Appraisals for Higher-Risk Mortgage Loans Joint rulemaking to address the requirements for appraisals for higher-risk mortgage loans. Substantive, Nonsignificant First Time Published in The Unified Agenda Final Rule Stage No No 12 CFR 722 12 USC 1757a 15 USC 1639(b)(4)(A) Statutory NPRM 01/21/2013 Statutory provision takes effect Jan. 21, 2013. Dodd-Frank Wall Street Reform and Consumer Protection Act amendment to the Truth in Lending Act that requires a joint rulemaking by the Federal banking agencies, NCUA, CFPB, and FHFA takes effect January 21, 2013. No NPRM 09/05/2012 77 FR 54722 Final Action 01/00/2013 No No None No www.reginfo.gov/public/do/eAgendaMain No No 1557 Comptroller of the Currency OCC Joint 7100 Federal Reserve System FRS Joint 3170 Consumer Financial Protection Bureau CFPB Joint 2590 Federal Housing Finance Agency FHFA Joint Regina Metz M. 3133 National Credit Union Administration NCUA 703 518-6561 703 518-6569 rmetz@ncua.gov 1775 Duke Street, Alexandria VA 22314