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    <RIN_INFO>
        <RIN>2502-AI61</RIN>
        <PUBLICATION>
            <PUBLICATION_ID>200804</PUBLICATION_ID>
            <PUBLICATION_TITLE>Unified Agenda of Federal Regulatory and Deregulatory Actions</PUBLICATION_TITLE>
        </PUBLICATION>
        <AGENCY>
            <CODE>2502</CODE>
            <NAME>Office of Housing</NAME>
            <ACRONYM>OH</ACRONYM>
        </AGENCY>
        <PARENT_AGENCY>
            <CODE>2500</CODE>
            <NAME>Department of Housing and Urban Development</NAME>
            <ACRONYM>HUD</ACRONYM>
        </PARENT_AGENCY>
        <RULE_TITLE>Real Estate Settlement Procedures Act (RESPA); To Simplify and Improve the Process of Obtaining Mortgages and Reduce Consumer Costs (FR-5180)</RULE_TITLE>
        <ABSTRACT><![CDATA[In July and August 2005, HUD held seven roundtable discussions about possible changes to HUD's RESPA regulations with industry, including small business entities, consumers, and other interested parties.  These roundtables were held at HUD Headquarters and in the cities of Los Angeles, California; Chicago, Illinois; and Fort Worth, Texas.  HUD found the roundtable discussions to be very informative and, after further considerations of the issues and proposals raised at the roundtables and further assessment of current mortgage industry practices, HUD is proposing changes to its RESPA regulations that would improve and standardize the Good Faith Estimate (GFE) form to make it easier to use for shopping among settlement providers and help borrowers understand how yield spread premiums can affect their settlement charges.]]></ABSTRACT>
        <PRIORITY_CATEGORY>Economically Significant</PRIORITY_CATEGORY>
        <RIN_STATUS>Previously Published in The Unified Agenda</RIN_STATUS>
        <RULE_STAGE>Proposed Rule Stage</RULE_STAGE>
        <MAJOR>Yes</MAJOR>
        <UNFUNDED_MANDATE_LIST>
            <UNFUNDED_MANDATE>No</UNFUNDED_MANDATE>
        </UNFUNDED_MANDATE_LIST>
        <CFR_LIST>
            <CFR>24 CFR 3500</CFR>
        </CFR_LIST>
        <LEGAL_AUTHORITY_LIST>
            <LEGAL_AUTHORITY>12 USC 2601 et seq</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>42 USC 3535(d)</LEGAL_AUTHORITY>
        </LEGAL_AUTHORITY_LIST>
        <LEGAL_DLINE_LIST/>
        <RPLAN_ENTRY>Yes</RPLAN_ENTRY>
        <TIMETABLE_LIST>
            <TIMETABLE>
                <TTBL_ACTION>NPRM</TTBL_ACTION>
                <TTBL_DATE>03/14/2008</TTBL_DATE>
                <FR_CITATION>73 FR 14030</FR_CITATION>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>NPRM Comment Period End</TTBL_ACTION>
                <TTBL_DATE>05/13/2008</TTBL_DATE>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>Final Action</TTBL_ACTION>
                <TTBL_DATE>10/00/2008</TTBL_DATE>
            </TIMETABLE>
        </TIMETABLE_LIST>
        <RFA_REQUIRED>Yes</RFA_REQUIRED>
        <SMALL_ENTITY_LIST>
            <SMALL_ENTITY>Businesses</SMALL_ENTITY>
        </SMALL_ENTITY_LIST>
        <GOVT_LEVEL_LIST>
            <GOVT_LEVEL>None</GOVT_LEVEL>
        </GOVT_LEVEL_LIST>
        <FEDERALISM>No</FEDERALISM>
        <ENERGY_AFFECTED>No</ENERGY_AFFECTED>
        <PRINT_PAPER>Yes</PRINT_PAPER>
        <INTERNATIONAL_INTEREST>Not Collected</INTERNATIONAL_INTEREST>
        <AGENCY_CONTACT_LIST>
            <CONTACT>
                <FIRST_NAME>Bart</FIRST_NAME>
                <LAST_NAME>Shapiro</LAST_NAME>
                <TITLE>Director, Office of RESPA and Interstate Land Sales</TITLE>
                <AGENCY>
                    <CODE>2502</CODE>
                    <NAME>Office of Housing</NAME>
                    <ACRONYM>OH</ACRONYM>
                </AGENCY>
                <PHONE>202 708-0502</PHONE>
                <MAILING_ADDRESS>
                    <STREET_ADDRESS>451 7th Street SW.,</STREET_ADDRESS>
                    <CITY>Washington</CITY>
                    <STATE>DC</STATE>
                    <ZIP>20410-0001</ZIP>
                </MAILING_ADDRESS>
            </CONTACT>
        </AGENCY_CONTACT_LIST>
    </RIN_INFO>
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