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Mortgage rules at a glance

This table lists the basic information about each of the new rules that is currently available. More, including the latest updates and related documents that you may need for your company or work, are available on the regulatory implementation page.

Rules Dodd-Frank Act citations1 Compliance aids Proposals/notices with publication date Final rules
with publication dates
Other resources
Ability to Repay/
Qualified Mortgage
1411-12, 1414 Guide 76 FR 27389
5/11/11

77 FR 33120
6/5/12

78 FR 6621
1/30/13

78 FR 25638
5/2/13

78 FR 39901
7/2/13

78 FR 6407
1/30/13

78 FR 35429
6/12/13

78 FR 44685
7/24/13

78 FR 45842
7/30/13

78 FR 60381
10/1/2013

ATR/QM comparison chart

Appendix Q

Coverage and exemptions chart

Small creditor QMs flowchart

What is a Qualified Mortgage? – a basic guide for lenders.

2013 HOEPA Rule 1414, 1431-33 Guide 77 FR 49089
8/15/12

78 FR 39901
7/2/13

78 FR 6855
1/31/13

78 FR 25638
5/2/13

78 FR 35429
6/12/13

78 FR 60381
10/1/2013

78 FR 62993
10/23/2013

78 FR 68343
11/14/2013

Coverage and exemptions chart

Summary of Interpretive Rule

CFPB Bulletin 2013-13

Loan Originator 1401-03, 1414 Guide 77 FR 55271
9/7/12

78 FR 27308
5/10/2013

78 FR 39901
7/2/13

78 FR 11279
2/15/13

78 FR 32547
5/31/13

78 FR 60381
10/1/2013

ECOA Valuations 1474 Guide 77 FR 50390
8/21/12

78 FR 39901
7/2/13

78 FR 7215
1/31/13

78 FR 60381
10/1/2013

Coverage and exemptions chart
TILA HPML Appraisals 1471 Guide 77 FR 54721
9/5/12

78 FR 48547
8/8/13

78 FR 10367
2/13/13

78 FR 78519
12/26/2013

Coverage and exemptions chart
TILA HPML Escrows 1461-62 Guide 76 FR 11597
3/2/11

78 FR 23171
4/18/2013

78 FR 30739
5/23/2013

78 FR 39901
7/2/13

78 FR 4725
1/22/13

78 FR 30739
5/23/13

78 FR 44685
7/24/13

78 FR 60381
10/1/2013

Servicing TILA 1418, 1420, 1464 Guide This covers both the TILA and RESPA servicing rules. 77 FR 57317
9/17/12

78 FR 25638
5/2/13

78 FR 39901
7/2/13

78 FR 10901
2/14/13

78 FR 44685
7/24/13

78 FR 60381
10/1/2013

78 FR 62993
10/23/2013

Coverage of the Bureau’s 2013 mortgage servicing rules for loans and servicers

Implementation Guidance for Certain Mortgage Servicing Rules

Servicing RESPA 1463 77 FR 57199
9/17/12

78 FR 25638
5/2/13

78 FR 39901
7/2/13

78 FR 10695
2/14/13

78 FR 44685
7/24/13

78 FR 60381
10/1/2013

78 FR 62993
10/23/2013

1. Download the full Dodd-Frank Act.

Title XIV rule updates

October 2013 Final Rule(?)Proposed Amendments to the 2013 Mortgage Rules under the Equal credit Opportunity Act (Regulation B), Real Estate Settlement Procedures Act (Regulation X), and the Truth in Lending Act (Regulation Z)7/22/13
CommentsAmendments to the 2013 Mortgage Rules under the Equal Credit Opportunity Act
(Regulation B), Real Estate Settlement Procedures Act (Regulation X), and the Truth in Lending Act (Regulation Z)

Activity Proposed rule Comment period closing date3
Final rule
June 2013 ATR/QM Concurrent Final Rule(?) Proposed Amendments to the Ability to Repay Standards under TILA 2/25/13
Comments
Amendments to the Ability to Repay Standards under TILA
Escrows notice(?) Proposed Amendments to the 2013 Escrows Final Rule under TILA 5/3/13
Comments
Amendments to the 2013 Escrows Final Rule under TILA
Loan Originator Compensation Requirements under TILA: Single Premium Credit Insurance(?) Proposed Delay of Effective Date of Prohibition on Creditors Financing Credit Insurance Premiums 5/25/13
Comments
Delay of Effective Date of Prohibition on Creditors Financing Credit Insurance Premiums
July 2013 Final Rule(?) Proposed Amendments to the 2013 Mortgage Rules under RESPA and TILA 6/3/13
Comments
Amendments to the 2013 Mortgage Rules under RESPA and TILA
TILA HPML Appraisals: Three Exemptions(?) Appraisals for Higher-Priced Mortgage Loans – Supplemental Proposal 9/9/13
(Paperwork Reduction Act comments due by October 7, 2013)
Comments
78 FR 78519
12/26/2013
October 2013 Interim Final Rule Not Applicable Not Applicable Amendments to the 2013 Mortgage Rules under the Real Estate Settlement Procedure Act (Regulation X) and the Truth In Lending Act (Regulation Z)
November 2013 Interpretive Rule Not applicable Not applicable Homeownership counseling organizations lists interpretive rule

Summary of the November Interpretive Rule

CFPB Bulletin 2013-13

Please see our notice and comment page.

Suggestions

Email comments about these implementation materials and this web page to CFPB_MortgageRulesImplementation@cfpb.gov. Your feedback is crucial to making these materials and this page as helpful as possible.

The Bureau’s implementation aids, including compliance guides, videos, and charts, do not represent official Bureau interpretations and should not be taken as legal advice.