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<REGINFO_RIN_DATA xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" RUN_DATE="2026-06-17-04:00" xsi:noNamespaceSchemaLocation="https://www.reginfo.gov/public/xml/REGINFO_XML_Ver10262011.xsd">
    <RIN_INFO>
        <RIN>3170-AA12</RIN>
        <PUBLICATION>
            <PUBLICATION_ID>201110</PUBLICATION_ID>
            <PUBLICATION_TITLE>The Regulatory Plan and the Unified Agenda of Federal Regulatory and Deregulatory Actions</PUBLICATION_TITLE>
        </PUBLICATION>
        <AGENCY>
            <CODE>3170</CODE>
            <NAME>Consumer Financial Protection Bureau</NAME>
            <ACRONYM>CFPB</ACRONYM>
        </AGENCY>
        <RULE_TITLE>Disclosure Rules and Substantive Protection for Certain High Cost Mortgage Loans (Regulation Z)</RULE_TITLE>
        <ABSTRACT><![CDATA[The CFPB is developing proposed regulations to implement the amendments made by subtitle C of title XIV of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) to the Truth in Lending Act (TILA) and, specifically, to the high-cost mortgage provisions added to TILA by the Home Ownership and Equity Protection Act of 1994 (HOEPA).  HOEPA imposes substantive restrictions on, and requires additional disclosures for, certain high-cost mortgage loans (HOEPA loans).  The amendments made by the Dodd-Frank Act expand the scope of HOEPA coverage, by, among other changes: including home-purchase loans and open-end credit plans (including home equity lines of credit); revising the thresholds that trigger HOEPA coverage including the annual percentage rate triggers and the "points and fees" trigger; and covering loans with prepayment penalties that exceed certain thresholds or that extend beyond 36 months after the closing of the loan.  The amendments also add certain restrictions and requirements with regard to HOEPA loans including: prohibiting the financing, directly or indirectly, of any points and fees; prohibiting prepayment penalties and, in most circumstances, balloon payments; and requiring pre-loan counseling for consumers.  The CFPB expects to issue proposed regulations implementing the new requirements of HOEPA.]]></ABSTRACT>
        <PRIORITY_CATEGORY>Substantive, Nonsignificant</PRIORITY_CATEGORY>
        <RIN_STATUS>First Time Published in The Unified Agenda</RIN_STATUS>
        <RULE_STAGE>Proposed Rule Stage</RULE_STAGE>
        <MAJOR>No</MAJOR>
        <UNFUNDED_MANDATE_LIST>
            <UNFUNDED_MANDATE>No</UNFUNDED_MANDATE>
        </UNFUNDED_MANDATE_LIST>
        <CFR_LIST>
            <CFR>12 CFR 226</CFR>
            <CFR>12 CFR 1026</CFR>
        </CFR_LIST>
        <LEGAL_AUTHORITY_LIST>
            <LEGAL_AUTHORITY>15 USC 1602</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>15 USC 1639</LEGAL_AUTHORITY>
        </LEGAL_AUTHORITY_LIST>
        <LEGAL_DLINE_LIST/>
        <RPLAN_ENTRY>No</RPLAN_ENTRY>
        <TIMETABLE_LIST>
            <TIMETABLE>
                <TTBL_ACTION>NPRM</TTBL_ACTION>
                <TTBL_DATE>07/00/2012</TTBL_DATE>
            </TIMETABLE>
        </TIMETABLE_LIST>
        <RFA_REQUIRED>Undetermined</RFA_REQUIRED>
        <GOVT_LEVEL_LIST>
            <GOVT_LEVEL>None</GOVT_LEVEL>
        </GOVT_LEVEL_LIST>
        <FEDERALISM>No</FEDERALISM>
        <PRINT_PAPER>No</PRINT_PAPER>
        <INTERNATIONAL_INTEREST>No</INTERNATIONAL_INTEREST>
        <AGENCY_CONTACT_LIST>
            <CONTACT>
                <FIRST_NAME>Paul</FIRST_NAME>
                <LAST_NAME>Ceja</LAST_NAME>
                <TITLE>Office of Regulations</TITLE>
                <AGENCY>
                    <CODE>3170</CODE>
                    <NAME>Consumer Financial Protection Bureau</NAME>
                    <ACRONYM>CFPB</ACRONYM>
                </AGENCY>
                <PHONE>202 435-7700</PHONE>
                <MAILING_ADDRESS>
                    <STREET_ADDRESS></STREET_ADDRESS>
                </MAILING_ADDRESS>
            </CONTACT>
        </AGENCY_CONTACT_LIST>
    </RIN_INFO>
</REGINFO_RIN_DATA>
