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CFPB RIN: 3170-AA48 Publication ID: Spring 2015 
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. 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. 

Agency: Consumer Financial Protection Bureau(CFPB)  Priority: Other Significant 
RIN Status: Previously published in the Unified Agenda Agenda Stage of Rulemaking: Completed Actions 
Major: No  Unfunded Mandates: No 
CFR Citation: 12 CFR 1024.5    12 CFR 1026.19    12 CFR 1026.36    12 CFR 1026.37    12 CFR 1026.38   
Legal Authority: 12 U.S.C. 2617    12 U.S.C. 5511    12 U.S.C. 5512    12 U.S.C. 5532    15 U.S.C. 1601    15 U.S.C. 1604    15 U.S.C. 1639B(e)   
Legal Deadline:  None
Action Date FR Cite
NPRM  10/29/2014  79 FR 64336   
NPRM Comment Period End  11/10/2014 
Final Rule  02/19/2015  80 FR 8767   
Final Rule Effective  08/01/2015 
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:
David Friend
Office of Regulations
Consumer Financial Protection Bureau
Phone:202 435-7700