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 published a proposal in the Federal Register in December 2014 to amend various provisions of its mortgage servicing rules, in both Regulation X (which implements RESPA) and Regulation Z.  The Bureau proposed clarifications concerning the applicability of certain provisions when the borrower is in bankruptcy, additional enhancements to loss mitigation requirements, provisions to address the applicability of certain rules to successors in interest, and other amendments.  The Bureau has been conducting consumer testing of certain disclosures as it prepares the final rule.  The Bureau anticipates issuing a final rule in early summer.