That's what sprang to my mind too, RebekahL.
Altho, on the eve of this milestone event, Cordray did offer up the following when he testified before Congress:
The CFPB and other regulators would also be “diagnostic and corrective” in the early months after the TILA-RESPA integrated disclosures for mortgages take effect, Cordray said. Lenders are “just going to be trying to get it right,” he said. “And so for the first period, which may last many months, the other agencies and ourselves as we work on this, if we see errors, we will point out what they are and how they should be corrected. We will not be looking to be punitive to people.”
Sounds like he's giving burfday presents to us!