In January 2013, the CFPB issued final rules implementing numerous provisions of the Real Estate Settlement Procedures Act and the Truth in Lending Act, as amended 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 January 2013 final rules. The mortgage servicing rules took effect in January 2014. The CFPB continues to conduct further analysis to consider possible amendments as warranted based on the CFPB's monitoring of the market and implementation of the Dodd-Frank Act requirements. The CFPB published a proposal in the Federal Register on December 15, 2014, to amend various provisions of its mortgage servicing rules, in both Regulation X and Regulation Z, including proposed applicability of certain provisions when the borrower is in bankruptcy, possible additional enhancements to loss mitigation requirements, proposed applicability of certain provisions to successors in interest, and other topics. As the Bureau develops a final rule, it expects to review and consider public comments on the proposed rule, consult with other agencies, and prepare to support implementation and consumer education efforts.