Final rules

High-Cost Mortgage and Homeownership Counseling Amendments to TILA (Regulation Z) and Homeownership Counseling Amendments to RESPA (Regulation X).

The Bureau of Consumer Financial Protection (Bureau) is amending Regulation Z, which implements the Truth in Lending Act, and the official interpretation to that regulation, to temporarily suspend card issuers' obligations to submit credit card agreements to the Bureau for a period of one year (i.e., four quarterly submissions), in order to reduce burden while the Bureau works to develop a more streamlined and automated electronic submission system. Other requirements, including card issuers' obligations to post currently-offered agreements on their own Web sites, remain unaffected.

Final rule modifying the 2013 TILA-RESPA (TRID) Final Rule.

Amendments to Regulation X, RESPA regarding mortgage loan servicing.

Amendments to the 2013 mortgage rules issued by the Bureau related small servicer exemptions.

The Bureau of Consumer Financial Protection (Bureau) is amending Regulation Z (TILA) regarding ability-to-repay (ATR) and qualified mortgages (QM).

Interpretive rule to clarify that the Bureau's Ability-to-Repay Rule incorporates the existing definition of “assumption” under Regulation Z.

Rules and forms that combine certain disclosures that consumers receive when applying and closing on a mortgage loan under the TILA (Regulation Z) and RESPA (Regulation X).

This final rule amends some of the final mortgage rules issued by the Bureau of Consumer Financial Protection (Bureau) in January 2013.

Amendments to the 2013 mortgage rules issued by the Bureau related to Regulation Z (TILA) and Regulation X (RESPA).

The Bureau of Consumer Financial Protection (Bureau) is amending Regulation Z (TILA) regarding ability-to-repay (ATR) and qualified mortgages (QM).

Final rule amending Regulation Z (TILA) requirements related to escrow accounts.

Amendments to Regulation Z (TILA) regarding limits to the total amount of fees that a credit card issuer may require a consumer to pay.

Amendments to Regulation Z (TILA) regarding limits to the total amount of fees that a credit card issuer may require a consumer to pay.

Loan Originator Compensation Requirements under the Truth in Lending Act (Regulation Z).

Final rule regarding initial rate adjustment notices for ARM mortgages, periodic statements for residential mortgage loans, crediting of mortgage payments, and requests for payoff amounts, etc.

Delayed implementation of certain Regulation Z (Truth in Lending) mortgage disclosure requirements that would otherwise take effect on January 21, 2013.