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Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act (Regulation X) and the Truth In Lending Act (Regulation Z)

Sections 1098 and 1100A of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) direct us to publish rules and forms that combine certain disclosures that consumers receive in connection with applying for and closing on a mortgage loan under the Truth in Lending Act (Regulation Z) and the Real Estate Settlement Procedures Act (Regulation X). Consistent with this requirement, we are amending Regulations X and Z to establish new disclosure requirements and forms in Regulation Z for most closed-end consumer credit transactions secured by real property. In addition to combining the existing disclosure requirements and implementing new requirements imposed by the Dodd-Frank Act, the final rule provides extensive guidance regarding compliance with those requirements.

This page contains resources to help you understand the rule and its implications.

Contents

  1. The rule
    1. Final rule submitted to the Federal Register
    2. Effective date
  2. Compliance-related information
  3. What this means for consumers
  4. Proposals

The rule

Final rule submitted to the Federal Register

November 20, 2013: We issued the final rule in a document with the following parts:

  • Preamble summarizing why we are issuing the rule, our legal authority, reasoning behind the rule, responses to comments, and analysis of the benefits, costs, and impacts of the rule
  • Regulatory text, which, when effective, will amend Regulation Z and can be found on page 1365 in the document below
  • Official interpretations of the rules which can be found on page 1644 in the document below

Read the full document.

The Office of the Federal Register published this document on December 31, 2013. View the document as published in the Federal Register.

Effective date

This rule is effective August 1, 2015. The final rule applies to transactions for which the creditor or mortgage broker receives an application on or after that date.


Compliance-related information

Resources to help you understand and implement the new regulation, including guides and sample forms, can be found on the TILA-RESPA Integrated Disclosure regulatory implementation page.


What this means for consumers

The new rule will go into effect on August 1, 2015. This summary outlines some of the ways we expect it to impact consumers. Download the consumer summary.


Proposals

October 10, 2014: We issued a proposed rule with request for public comment proposing certain amendments and technical corrections to a final rule we issued in November 2013 and published in the Federal Register on December 31, 2013.
July 9, 2012: The Office of the Federal Register published a notice of proposed rulemaking. That notice, comments received, our small business review panel, and more are available on the online docket for the proposed rule

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