UDAAP vs UDAP

Has UDAAP actually gone into effect or is it just a proposal? If so when and where can I find it?

Yes, UDAAP is in effect. You can read helpful information here, with examples.

http://www.consumerfinance.gov/guidance/supervision/manual/udaap-narrative/

Can you tell me what date it became effective? Thanks.

And where is it on Banker's Online?