Final rules

This rule amends Regulation Z (Truth in Lending) to implement certain amendments to the Truth in Lending Act made by the Dodd-Frank Act. This rule amends the official commentary that interprets the requirements of the Bureau’s Regulation Z (Truth in Lending) to reflect changes in the asset-size thresholds for certain creditors to qualify for an exemption to the requirement to establish an escrow account for a higher-priced mortgage loan. These changes reflect updates to, together with affiliates that regularly extended covered transactions secured by first liens, had total assets of less than $2 billion (adjusted annually for inflation) and the exemption the Bureau added, by implementing section 108 of the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA), for certain insured depository institutions and insured credit unions with assets of $10 billion or less (adjusted annually for inflation). These amendments are based on the annual percentage change in the average of the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).

CFPB Issues Interim Final Rule and Requests Comments on Facilitating the LIBOR Transition Consistent with the LIBOR Act (Regulation Z).

The Bureau of Consumer Financial Protection (Bureau) is amending Regulation Z, which implements the Truth in Lending Act (TILA), generally to address the anticipated sunset of LIBOR, which is expected to be discontinued for most U.S. Dollar (USD) tenors in June 2023.

The Bureau of Consumer Financial Protection (Bureau) is issuing this final rule to amend Regulation X to assist mortgage borrowers affected by the COVID-19 emergency.

This interim final rule provides a regulatory exception for certain programs that allow borrowers to defer repayment of forborne or delinquent amounts that accrued due to the COVID-19 emergency.

The Bureau is amending Federal mortgage disclosure requirements under RESPA and TILA that are implemented in Regulation Z.

Amendments to certain Regulation Z mortgage servicing rules issued in 2016 relating to periodic statements.

Regulation X interim final rule relating to the timing for mortgage servicers to provide modified written early intervention notices.

Technical corrections amending certain provisions of the Bureau's mortgage servicing regulations under Regulation X (RESPA) and Regulation Z (TILA).

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 FDCPA for certain actions taken related to mortgage servicing rules under Regulation X (RESPA) and Regulation Z (TILA).

Operations in Rural Areas Under the Truth in Lending Act (Regulation Z).

Procedural rule establishing an application process under which a person may identify an area that has not been designated by the Bureau as a rural area.

Amendments to Regulation X, RESPA regarding mortgage loan servicing.

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

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

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

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.

The Bureau’s Mortgage Servicing Final Rules amend Regulations X and Z.