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CFPB RIN: 3170-AA75 Publication ID: Spring 2018 
Title: Mortgage Servicing Rules Under the Truth in Lending Act (Regulation Z) 

In August 2016, the CFPB issued a final rule amending certain of the Bureau’s mortgage servicing rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z). Through its outreach to industry and other stakeholders to understand their experiences in implementing the final rule, the Bureau learned that certain substantive aspects of the final rule might be posing particular complexities for implementation that were not anticipated in the course of the original rulemaking. Thus, the Bureau issued a proposed rule in October 2017, which addresses narrow issues concerning the timing of certain disclosure requirements in Regulation Z. The Bureau finalized the proposed rule as proposed in March 2018.

Agency: Consumer Financial Protection Bureau(CFPB)  Priority: Substantive, Nonsignificant 
RIN Status: Previously published in the Unified Agenda Agenda Stage of Rulemaking: Completed Actions 
Major: No  Unfunded Mandates: No 
EO 13771 Designation: Independent agency 
CFR Citation: 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. 3353    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  10/18/2017  82 FR 48463   
NPRM Comment Period End  11/17/2017 
Final Rule  03/12/2018  83 FR 10553   
Final Action Effective  04/19/2018 
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-AA49, Related to 3170-AA37, Related to 3170-AA14, Related to 3170-AA43, Related to 3170-AA74, Related to 3170-AA77 
Agency Contact:
Terry J. Randall
Office of Regulations
Consumer Financial Protection Bureau
Washington, DC 20552
Phone:202 435-7700

Amanda Quester
Office of Regulations
Consumer Financial Protection Bureau
Phone:202 435-7700