Amendments to Federal Mortgage Disclosure Requirements under the Truth in Lending Act (Regulation Z)
The Bureau is amending Federal mortgage disclosure requirements under RESPA and TILA that are implemented in Regulation Z.
Final rules
Rules listed here are final rules issued by the CFPB. To identify all the rules related to a single consumer financial product, use the filter tool below.
Types of final rules
Final Rule
Other than interim final rules, this includes all CFPB final rules, including procedural and interpretive rules. Generally, final rules go through notice and comment before issuance.
Interim Final Rule
Under some circumstances, the CFPB may issue final rules without a comment period before issuance. The CFPB may request comment on these rules and may later alter the rules, if necessary.
Amendments to the 2013 Mortgage Rules Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z); Correction
Technical corrections amending certain provisions of the Bureau's mortgage servicing regulations under Regulation X (RESPA) and Regulation Z (TILA).
Prepaid Accounts Under the Electronic Fund Transfer Act (Regulation E) and the Truth in Lending Act (Regulation Z); Delay of Effective Date
Prepaid Accounts Under the Electronic Fund Transfer Act (Regulation E) and the Truth in Lending Act (Regulation Z); Delay of Effective Date.
Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)
Regulation E and Z amendments for prepaid accounts related to disclosures, limited liability and error resolution, periodic statements, etc.
Amendments to the 2013 Mortgage Rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)
Amendments to the 2013 mortgage servicing rules issued by the Bureau related to Regulation Z (TILA) and Regulation X (RESPA).
Safe Harbors from Liability under the Fair Debt Collection Practices Act for Certain Actions Taken in Compliance with Mortgage Servicing Rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)
Safe harbors from liability under FDCPA for certain actions taken related to mortgage servicing rules under Regulation X (RESPA) and Regulation Z (TILA).
Finalization of Interim Final Rules (Subject to Any Intervening Amendments) Under Consumer Financial Protection Laws
Finalization of Interim Final Rules (Subject to Any Intervening Amendments) Under Consumer Financial Protection Laws.
Operations in Rural Areas Under the Truth in Lending Act (Regulation Z)
Operations in Rural Areas Under the Truth in Lending Act (Regulation Z).
Appraisals for Higher-Priced Mortgage Loans
Joint agency revisions to Regulation Z (TILA) regarding provisions requiring appraisals for “higher-risk mortgages".
Amendments Relating to Small Creditors and Rural or Underserved Areas Under the Truth in Lending Act (Regulation Z)
Final rule revising the definitions of small creditor, and rural and underserved areas, for purposes of certain special provisions and exemptions.
2013 Integrated Mortgage Disclosures Rule Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) and Amendments; Delay of Effective Date
The Bureau delayed the effective date of the TILA-RESPA Final Rule to October 3, 2015.
High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act (Regulation Z) and Homeownership Counseling Amendments to the Real Estate Settlement Procedures Act (Regulation X)
High-Cost Mortgage and Homeownership Counseling Amendments to TILA (Regulation Z) and Homeownership Counseling Amendments to RESPA (Regulation X).
Submission of Credit Card Agreements Under the Truth in Lending Act (Regulation Z)
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.
Amendments to the 2013 Integrated Mortgage Disclosures Rule Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth In Lending Act (Regulation Z) and the 2013 Loan Originator Rule Under the Truth in Lending Act (Regulation Z)
Final rule modifying the 2013 TILA-RESPA (TRID) Final Rule.
Mortgage Servicing Rules Under the Real Estate Settlement Procedures Act (Regulation X)
Amendments to Regulation X, RESPA regarding mortgage loan servicing.
Amendments to the 2013 Mortgage Rules Under the Truth in Lending Act (Regulation Z); Small servicer definition
Amendments to the 2013 mortgage rules issued by the Bureau related small servicer exemptions.
Ability to Repay and Qualified Mortgage Standards Under the Truth in Lending Act (Regulation Z)
The Bureau of Consumer Financial Protection (Bureau) is amending Regulation Z (TILA) regarding ability-to-repay (ATR) and qualified mortgages (QM).
Application of Regulation Z's Ability-To-Repay Rule to Certain Situations Involving Successors-in-Interest
Interpretive rule to clarify that the Bureau's Ability-to-Repay Rule incorporates the existing definition of “assumption” under Regulation Z.
2013 Integrated Mortgage Disclosure Rule Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (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).
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)
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 Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) relating to State law of Regulation X's servicing provisions
Amendments to the 2013 mortgage rules issued by the Bureau related to Regulation Z (TILA) and Regulation X (RESPA).
Ability-to-Repay and Qualified Mortgage Standards Exemptions Under the Truth in Lending Act (Regulation Z)
The Bureau of Consumer Financial Protection (Bureau) is amending Regulation Z (TILA) regarding ability-to-repay (ATR) and qualified mortgages (QM).
Escrow Requirements under the Truth in Lending Act (Regulation Z)
Final rule amending Regulation Z (TILA) requirements related to escrow accounts.
Amendment relating to consumer ability to repay; Truth in Lending Act (Regulation Z)
Amendments to Regulation Z (TILA) regarding limits to the total amount of fees that a credit card issuer may require a consumer to pay.
Amendment relating to credit limits; Truth in Lending (Regulation Z)
Amendments to Regulation Z (TILA) regarding limits to the total amount of fees that a credit card issuer may require a consumer to pay.