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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. On October 29, 2014, the Bureau proposed an amendment that provided for technical corrections to the rule text and commentary; allowed for certain language on the Loan Estimate form related to construction loans for transactions involving new construction, and extend the timing requirement for revised disclosures when consumers lock a rate or extend a rate lock after the Loan Estimate is provided. After receiving and reviewing comments, the Bureau published a final rule in the Federal Register on February 19, 2015, that adopted the proposed amendment.