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Sections 1032(f), 1098, and 1100A of the Dodd-Frank Act directed the CFPB to issue proposed rules and forms that combine certain disclosures that consumers receive in connection with a mortgage loan under the Truth in Lending Act and the Real Estate Settlement Procedures Act. Consistent with this requirement, the CFPB published a final rule on December 31, 2013 that amended 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 CFPB’s final rule provides extensive guidance regarding compliance with those requirements. In late 2014, the Bureau plans to propose an amendment that will provide for technical corrections to the rule text and commentary; allow for certain language related to construction loans to be added to the Loan Estimate form; and also to propose extending a same-day redisclosure requirement for floating interest rates that are locked after the Loan Estimate is first provided.