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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.