Category: Final Rule

Amendments to Federal Mortgage Disclosure Requirements under the Truth in Lending Act (Regulation Z)

This final rule modifies the federal mortgage disclosure requirements under the Real Estate Settlement Procedures Act and the Truth in Lending Act that are implemented in Regulation Z. This rule memorializes the Bureau's informal guidance on various issues and makes additional clarifications and technical amendments. This rule also creates tolerances for the total of payments, adjusts a partial exemption mainly affecting housing finance agencies and nonprofits, extends coverage of the TILA-RESPA integrated disclosure (integrated disclosure) requirements to all cooperative units, and provides guidance on sharing the integrated disclosures with various parties involved in the mortgage origination process.

Final rule

 - Aug. 11, 2017

View pdf  - July 7, 2017

Proposed rule with request for public comment

- Aug. 15, 2016

View pdf - July 28, 2016