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    <RIN_INFO>
        <RIN>7100-AD25</RIN>
        <PUBLICATION>
            <PUBLICATION_ID>200904</PUBLICATION_ID>
            <PUBLICATION_TITLE>Unified Agenda of Federal Regulatory and Deregulatory Actions</PUBLICATION_TITLE>
        </PUBLICATION>
        <AGENCY>
            <CODE>7100</CODE>
            <NAME>Federal Reserve System</NAME>
            <ACRONYM>FRS</ACRONYM>
        </AGENCY>
        <RULE_TITLE>Regulation C--Home Mortgage Disclosure (Docket No. R-1321)</RULE_TITLE>
        <ABSTRACT><![CDATA[The Board proposed in July 2008, to amend Regulation C (Home Mortgage Disclosure) to revise the rules for reporting price information on higher-priced mortgage loans.  The rules would be conformed to the definition of "higher-priced mortgage loan" adopted by the Board under Regulation Z (Truth in Lending).  Regulation C currently requires lenders to report the rate-spread when the APR on a loan exceeds Treasury securities of comparable maturity by specified thresholds.  Under the proposal, lenders would report based on a survey-based estimate of rates currently offered on prime mortgage loans of a comparable type, rather than using Treasury securities as the benchmark.

In October 2008, the Board adopted final revisions to Regulation C, substantially as proposed, but with a later effective date of October 1, 2009, instead of January 1, 2009, as had been proposed.]]></ABSTRACT>
        <PRIORITY_CATEGORY>Substantive, Nonsignificant</PRIORITY_CATEGORY>
        <RIN_STATUS>Previously Published in The Unified Agenda</RIN_STATUS>
        <RULE_STAGE>Completed Actions</RULE_STAGE>
        <MAJOR>No</MAJOR>
        <UNFUNDED_MANDATE_LIST>
            <UNFUNDED_MANDATE>No</UNFUNDED_MANDATE>
        </UNFUNDED_MANDATE_LIST>
        <CFR_LIST>
            <CFR>12 CFR 203a</CFR>
            <CFR>12 CFR 203i</CFR>
        </CFR_LIST>
        <LEGAL_AUTHORITY_LIST>
            <LEGAL_AUTHORITY>12 USC 2801 to  2810</LEGAL_AUTHORITY>
        </LEGAL_AUTHORITY_LIST>
        <LEGAL_DLINE_LIST/>
        <RPLAN_ENTRY>No</RPLAN_ENTRY>
        <TIMETABLE_LIST>
            <TIMETABLE>
                <TTBL_ACTION>Board Requested Comment</TTBL_ACTION>
                <TTBL_DATE>07/30/2008</TTBL_DATE>
                <FR_CITATION>73 FR 44189</FR_CITATION>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>Board Adopted Final Rule</TTBL_ACTION>
                <TTBL_DATE>10/24/2008</TTBL_DATE>
                <FR_CITATION>73 FR 63329</FR_CITATION>
            </TIMETABLE>
        </TIMETABLE_LIST>
        <RFA_REQUIRED>No</RFA_REQUIRED>
        <SMALL_ENTITY_LIST>
            <SMALL_ENTITY>No</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>No</PRINT_PAPER>
        <INTERNATIONAL_INTEREST>No</INTERNATIONAL_INTEREST>
        <AGENCY_CONTACT_LIST>
            <CONTACT>
                <FIRST_NAME>John</FIRST_NAME>
                <LAST_NAME>Wood</LAST_NAME>
                <MIDDLE_NAME>C.</MIDDLE_NAME>
                <TITLE>Counsel</TITLE>
                <AGENCY>
                    <CODE>7100</CODE>
                    <NAME>Federal Reserve System</NAME>
                    <ACRONYM>FRS</ACRONYM>
                </AGENCY>
                <PHONE>202 452-2412</PHONE>
                <MAILING_ADDRESS>
                    <STREET_ADDRESS>Division of Consumer and Community Affairs,</STREET_ADDRESS>
                </MAILING_ADDRESS>
            </CONTACT>
        </AGENCY_CONTACT_LIST>
    </RIN_INFO>
</REGINFO_RIN_DATA>
