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CFPB RIN: 3170-AA61 Publication ID: Fall 2017 
Title: Amendments to Federal Mortgage Disclosure Requirements Under the Truth in Lending Act (Regulation Z) 
Abstract:

The Bureau of Consumer Financial Protection (Bureau) issued various amendments to Federal mortgage disclosure requirements under the Real Estate Settlement Procedures Act and the Truth in Lending Act that are implemented in Regulation Z. The amendments memorialize the Bureau's informal guidance on various issues and include clarifications and technical amendments. The amendments also include tolerance provisions for the total of payments, an adjustment to a partial exemption mainly affecting housing finance agencies and nonprofits, extension of coverage of the integrated disclosure requirements to all cooperative units, and guidance on sharing the disclosures with various parties involved in the mortgage origination process.

 
Agency: Consumer Financial Protection Bureau(CFPB)  Priority: Substantive, Nonsignificant 
RIN Status: Previously published in the Unified Agenda Agenda Stage of Rulemaking: Completed Actions 
Major: Yes  Unfunded Mandates: No 
EO 13771 Designation: Independent agency 
CFR Citation: 12 CFR 1024.5    12 CFR 1026.19    12 CFR 1026.36 to 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
Timetable:
Action Date FR Cite
NPRM  07/29/2016  81 FR 5138   
NPRM Comment Period End  10/18/2016 
Final Rule  08/11/2017  82 FR 37656   
Final Rule Effective  10/10/2017 
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-AA71 
Agency Contact:
Pedro De Oliveira
Office of Regulations
Consumer Financial Protection Bureau
Washington, DC 20552
Phone:202 435-7700