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<REGINFO_RIN_DATA xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" RUN_DATE="2026-04-18-04:00" xsi:noNamespaceSchemaLocation="https://www.reginfo.gov/public/xml/REGINFO_XML_Ver10262011.xsd">
    <RIN_INFO>
        <RIN>3170-AA43</RIN>
        <PUBLICATION>
            <PUBLICATION_ID>201310</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>Further Amendments to 2013 Mortgage Rules (Regulations X and Z)</RULE_TITLE>
        <ABSTRACT><![CDATA[In January 2013, the CFPB issued nine final rules implementing numerous provisions of the Equal Credit Opportunity Act, the Real Estate Settlement Procedures Act, and the Truth in Lending Act, as adopted by title XIV of the Dodd-Frank Wall Street Reform and Consumer Protection Act.  The CFPB has since made various corrections, clarifications, and other amendments to the rules adopted in the January 2013 final rules as discussed in entry [17] of this agenda.  After the rules take effect in January 2014, the CFPB expects to conduct further analysis to consider possible amendments to the definitions of "rural" and "underserved," for purposes of certain exemptions from several otherwise applicable requirements; additional guidance that would facilitate the development of automated underwriting systems for purposes of calculating debt-to-income ratios in connection with qualified mortgage determinations; and  other topics as warranted based on the CFPB's monitoring of the market and implementation of the Dodd-Frank Act requirements.]]></ABSTRACT>
        <PRIORITY_CATEGORY>Substantive, Nonsignificant</PRIORITY_CATEGORY>
        <RIN_STATUS>First Time Published in The Unified Agenda</RIN_STATUS>
        <RULE_STAGE>Prerule Stage</RULE_STAGE>
        <MAJOR>Undetermined</MAJOR>
        <UNFUNDED_MANDATE_LIST>
            <UNFUNDED_MANDATE>No</UNFUNDED_MANDATE>
        </UNFUNDED_MANDATE_LIST>
        <CFR_LIST>
            <CFR>12 CFR 1024</CFR>
            <CFR>12 CFR 1026</CFR>
        </CFR_LIST>
        <LEGAL_AUTHORITY_LIST>
            <LEGAL_AUTHORITY>12 USC 2601</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 2603 to 2605</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 2607</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 2609</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 2617</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 5511 and 5512</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 5581</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 5532</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>15 USC 1601 et seq</LEGAL_AUTHORITY>
        </LEGAL_AUTHORITY_LIST>
        <LEGAL_DLINE_LIST/>
        <RPLAN_ENTRY>No</RPLAN_ENTRY>
        <TIMETABLE_LIST>
            <TIMETABLE>
                <TTBL_ACTION>Prerule Activities</TTBL_ACTION>
                <TTBL_DATE>06/00/2014</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>
        <RELATED_RIN_LIST>
            <RELATED_RIN>
                <RIN>3170-AA37</RIN>
                <RIN_RELATION>Related to</RIN_RELATION>
            </RELATED_RIN>
        </RELATED_RIN_LIST>
        <AGENCY_CONTACT_LIST>
            <CONTACT>
                <FIRST_NAME>Paul</FIRST_NAME>
                <LAST_NAME>Mondor</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>
