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CFPB RIN: 3170-AA48 Publication ID: Fall 2014 
Title: ●Amendments and Corrections to TILA-RESPA Integrated Disclosure Final Rule 

Sections 1032(f), 1098, and 1100A of the Dodd-Frank Act directed the CFPB to issue proposed rules and forms that combine certain disclosures that consumers receive in connection with a mortgage loan under the Truth in Lending Act and the Real Estate Settlement Procedures Act. Consistent with this requirement, the CFPB published a final rule on December 31, 2013 that amended Regulation X (Real Estate Settlement Procedures Act) and Regulation Z (Truth in Lending) to establish new disclosure requirements and forms in Regulation Z for most closed-end consumer credit transactions secured by real property. In addition to combining the existing disclosure requirements and implementing new requirements in the Dodd-Frank Act, the CFPB’s final rule provides extensive guidance regarding compliance with those requirements. In late 2014, the Bureau plans to propose an amendment that will provide for technical corrections to the rule text and commentary; allow for certain language related to construction loans to be added to the Loan Estimate form; and also to propose extending a same-day redisclosure requirement for floating interest rates that are locked after the Loan Estimate is first provided. 

Agency: Consumer Financial Protection Bureau(CFPB)  Priority: Other Significant 
RIN Status: First time published in the Unified Agenda Agenda Stage of Rulemaking: Proposed Rule Stage 
Major: Undetermined  Unfunded Mandates: Undetermined 
CFR Citation: 12 CFR 1024.5    12 CFR 1024.30    12 CFR 1024.33    12 CFR 1026.1    12 CFR 1026.2    12 CFR 1026.3    12 CFR 1026.17    12 CFR 1026.18    12 CFR 1026.19    12 CFR 1026.20    12 CFR 1026.22    12 CFR 1026.25    12 CFR 1026.28    12 CFR 1026.37    12 CFR 1026.38   
Legal Authority: 12 USC 2617    12 USC 3806    15 USC 1604    15 USC 1637(c)(5)    15 USC 639(l)    12 USC 5532   
Legal Deadline:  None
Action Date FR Cite
NPRM  10/29/2014  79 FR 64336   
NPRM Comment Period End  11/10/2014 
Regulatory Flexibility Analysis Required: No  Government Levels Affected: None 
Federalism: No 
Included in the Regulatory Plan: No 
RIN Data Printed in the FR: No 
Related RINs: Related to 3170-AA19 
Agency Contact:
Andy Arculin
Office of Regulations
Consumer Financial Protection Bureau
Phone:202 435-7700