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Published Category: Policy & Compliance

We are proposing changes to Regulation C to help industry comply and are looking for your feedback

We are seeking comment on our proposal to clarify, make technical corrections, and minor changes to the data that financial institutions are required to collect and report about their mortgage lending, which will improve the quality of mortgage data available to the public.

Published Category: Policy & Compliance

eRegulations updated with Regulations X, C, and more

CFPB’s eRegulations is a web-based tool that makes regulations easier to find, read and understand. We have expanded the tool to include three additional CFPB regulations.  We are also updating an existing regulation to reflect changes that the Bureau has recently made.

Published Category: Policy & Compliance

Fall 2015 rulemaking agenda

An important part of the CFPB’s mandate from Congress is to make rules governing consumer finance markets more effective and to create new rules when warranted. Today, we’re posting a semiannual update of our rulemaking agenda as part of the federal government’s Unified Agenda of Regulatory and Deregulatory Actions.

HMDA data shows more people took out a mortgage to purchase a home in 2014 than 2013

As part of our work to educate consumers to make informed financial decisions, we at the CFPB—along with the other members of the FFIEC—are committed to making HMDA data clear and available to you. Bringing transparency to the mortgage market can lead to the greater likelihood that similarly situated consumers receive similar loan terms.

The Know Before You Owe mortgage rule will take effect October 3, 2015

Today, we’re issuing a final rule delaying the effective date for the Know Before You Owe mortgage disclosure rule to October 3, 2015. The Know Before You Owe rule will improve the way you’ll receive information about mortgage loans, both when applying for a loan and when you’re getting ready to close.

Published Category: At the CFPB

Spring 2015 rulemaking agenda

An important part of our mandate is to make rules more effective and create new rules when necessary. Today, we’re posting a semi-annual update of our rulemaking agenda as part of the federal government’s Unified Agenda of Regulatory and Deregulatory Actions.