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CFPB RIN: 3170-AA43 Publication ID: Fall 2013 
Title: ●Further Amendments to 2013 Mortgage Rules (Regulations X and Z) 
Abstract: 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. 
Agency: Consumer Financial Protection Bureau(CFPB)  Priority: Substantive, Nonsignificant 
RIN Status: First time published in the Unified Agenda Agenda Stage of Rulemaking: Prerule Stage 
Major: Undetermined  Unfunded Mandates: No 
CFR Citation: 12 CFR 1024    12 CFR 1026   
Legal Authority: 12 USC 2601    12 USC 2603 to 2605    12 USC 2607    12 USC 2609    12 USC 2617    12 USC 5511 and 5512    12 USC 5581    12 USC 5532    15 USC 1601 et seq   
Legal Deadline:  None
Action Date FR Cite
Prerule Activities  06/00/2014 
Regulatory Flexibility Analysis Required: Undetermined  Government Levels Affected: None 
Federalism: No 
Included in the Regulatory Plan: No 
RIN Data Printed in the FR: No 
Related RINs: Related to 3170-AA37 
Agency Contact:
Paul Mondor
Office of Regulations
Consumer Financial Protection Bureau
Phone:202 435-7700