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CFPB RIN: 3170-AA49 Publication ID: Spring 2016 
Title: Amendments to the 2013 Mortgage Rules Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) 

In January 2013, the CFPB issued final rules implementing numerous provisions of the Real Estate Settlement Procedures Act and the Truth in Lending Act, as amended 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 January 2013 final rules.  The mortgage servicing rules took effect in January 2014.  The CFPB published a proposal in the Federal Register in December 2014 to amend various provisions of its mortgage servicing rules, in both Regulation X (which implements RESPA) and Regulation Z.  The Bureau proposed clarifications concerning the applicability of certain provisions when the borrower is in bankruptcy, additional enhancements to loss mitigation requirements, provisions to address the applicability of certain rules to successors in interest, and other amendments.  The Bureau has been conducting consumer testing of certain disclosures as it prepares the final rule.  The Bureau anticipates issuing a final rule in early summer.

Agency: Consumer Financial Protection Bureau(CFPB)  Priority: Substantive, Nonsignificant 
RIN Status: Previously published in the Unified Agenda Agenda Stage of Rulemaking: Final Rule Stage 
Major: Undetermined  Unfunded Mandates: No 
CFR Citation: 12 CFR 1024    12 CFR 1026   
Legal Authority: 12 U.S.C. 2601    12 U.S.C. 2603 to 2605    12 U.S.C. 2607    12 U.S.C. 2609    12 U.S.C. 2617    12 U.S.C. 5511 and 5512    12 U.S.C. 5532    12 U.S.C. 5581    15 U.S.C. 1601 et seq.   
Legal Deadline:  None
Action Date FR Cite
NPRM  12/15/2014  79 FR 74175   
NPRM Comment Period End  03/16/2015 
Final Rule  07/00/2016 
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-AA37, Related to 3170-AA14, Related to 3170-AA43 
Agency Contact:
Laura Johnson
Office of Regulations
Consumer Financial Protection Bureau
Phone:202 435-7700

Will Corbett
Office of Regulations
Consumer Financial Protection Bureau
Phone:202 435-7700