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CFPB RIN: 3170-AA61 Publication ID: Spring 2016 
Title: ●Amendments to Federal Mortgage Disclosure Requirements Under the Truth in Lending Act (Regulation Z) 

Since the effective date of the TILA-RESPA Integrated Disclosure rule and the TILA-RESPA Integrated Disclosure rule amendments on October 3, 2015, the Bureau has received information concerning the provisions of applicable Federal mortgage disclosure requirements and how these requirements are being implemented by creditors. The information received has indicated that some disclosures required for closed-end consumer credit secured by real property under the Truth in Lending Act and Regulation Z are generating confusion and uncertainty for some creditors. The Bureau will be seeking comment on a proposal to add new provisions and amend certain other provisions of Regulation Z in order to provide additional clarity to creditors in order to promote consistency in the provision of information for Federal mortgage transactions that will enable consumers to more readily understand their mortgage transactions.

Agency: Consumer Financial Protection Bureau(CFPB)  Priority: Substantive, Nonsignificant 
RIN Status: First time published in the Unified Agenda Agenda Stage of Rulemaking: Proposed Rule Stage 
Major: Undetermined  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    15 U.S.C. 1639B(e)    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   
Legal Deadline:  None
Action Date FR Cite
NPRM  07/00/2016 
Regulatory Flexibility Analysis Required: Undetermined  Government Levels Affected: None 
Federalism: No 
Included in the Regulatory Plan: No 
RIN Data Printed in the FR: No 
Agency Contact:
David Friend
Office of Regulations
Consumer Financial Protection Bureau
Phone:202 435-7700