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Federal Register Resources

Federal Register documents affecting this regulation:
FR CitationDateStatusComments
85 FR 39055 6/30/2020
Interim final rule, effective July 1, 2020 Adds a COVID-19-related loss mitigation option to § 1024.41(c)(2) providing flexibility to borrower and servicer. Comments due 8/17/2020
82 FR 47953 10/16/2017
Interim final rule, effective 10/19/2017 Gives servicer flexibility in providing a required notice when FDCPA cease communication right is invoked by consumer. 30-day comment period once published.
81 FR 72160 8/4/2016
Publ. 10/19/16
Final rule Clarifies, revises or amends selected Servicing Rule provisions; adds provisions related to successors in interest and debtors in bankruptcy. Effective 10/19/17 (some provisions 4/19/18).
80 FR 43911 7/21/2015; publ. 7/24/15 Final rule Delays the effective date of TILA/RESPA Integrated Disclosure (TRID) Rule to 10/3/2015 due to Bureau administrative error and to provide extra preparatory time.
80 FR 36727 6/24/15; published 6/26/15 Proposed rule Proposes delay in effective date of TILA/RESPA Integrated Disclosure (TRID) rule to 10/3/2015 due to Bureau administrative error and to provide extra preparatory time.
80 FR 8767 1/20/15
publ. 2/19/15
Final rule Finalizes proposal published 10/29/14 at 79 FR 64336. Makes a technical correction to the final Integrated Disclosures rule. Effective 8/1/15.
79 FR 74175
11/20/14
Publ. 12/15/14
Proposed rule Proposed amendments to mortgage servicing rules issued in 2013, clarifying, revising, or amending provisions regarding force-placed insurance notices, policies and procedures, early intervention, and loss mitigation requirements under Regulation X's servicing provisions; and periodic statement requirements under Regulation Z's servicing provisions. Changes requirements for dealing with successors at interest, bankrupts. Comments due March 16, 2015.
79 FR 64336 10/10/14; published 10/29/14 Proposed rule Would allow extra day for revised Loan Estimates due to rate locks; add Loan Estimate disclosure about revised estimates for some construction loans; make some corrections to the final Integrated Disclosures rule in both Regs X and Z; add Integrated Disclosures to documents requiring LO name and NMLSR ID. Comments due 11/10/14.
78 FR 79730
FR Submission
11/20/13
Published 12/31/13
Final ruleFinal rule to implement combination of TILA/RESPA Loan Estimate and Loan Closing disclosures, and to make certain typographical corrections to Regulation X. Effective August 1, 2015.
78 FR 6834311/7/13
Published 11/14/13
Final ruleHomeownership Counseling Organizations Lists Interpretive Rule. Final rule describing data instructions and other requirements for complying with Homeownership Counseling Disclosure requirement under § 1024.20. Effective 1/10/14.
78 FR 62993
FR Submission
10/15/2013
Published 10/23/13
Interim final ruleInterim final rule to clarify operation of §1024.39 to provide temporary exemptions from that section for a servicer of a mortgage loan while the borrower is a debtor in bankruptcy, and for a servicer subject to the Fair Debt Collections Practices Act with regard to a loan for which the borrower has sent a notification under FDCPA § 805(c). Comments due 11/22/13.
78 FR 60381
FR Submission
9/13/13
Published 10/1/13
Final ruleSecond wave of fine-tuning and clarifying changes to January 2013 final mortgage rules. Includes changes to Regs B, X and Z. Fine tunes loss mitigation procedures under Regulation X's servicing provisions.
78 FR 44685
FR Submission
7/10/13
Published 7/24/13
Final ruleFinalizing corrections, clarifications and amendments to Ability-to-Repay and mortgage servicing rules first proposed 4/19/13 (see 78 FR 25638, below). Effective 1/10/14.
78 FR 39901
FR Submission
6/24/13
Published 7/2/13
Proposed rule, Finalized 9/13/13Second wave of proposed fine-tuning and clarifying changes to January 2013 final mortgage rules. Includes proposed changes to Regs B, X and Z. Included are technical changes clarifying, revising, or amending provisions on loss mitigation procedures under Regulation X's servicing provisions. Comments due by 7/22/13.
78 FR 25638
FR Submission
4/19/2013;
Publ. 5/2/13
Proposed rule
Finalized 7/10/13
Proposal to clarify or correct provisions of the ATR/QM and Servicing Rules on (1) the relation to State law of Regulation X's servicing provisions; (2) the small servicer exemption from certain servicing rules; (3) the use of government-sponsored enterprise and Federal agency purchase, guarantee or insurance eligibility for determining qualified mortgage status; and (4) the determination of debt and income for purposes of originating qualified mortgages. Comments due 30 days after FR publication.
78 FR 10695
FR Submission
1/17/2013
Published 2/14/2013
Final rule
Effective 1/10/2014
Implements DFA RESPA amendments to address loan servicing responsibilities and make other improvements to the regulation. Finalizes proposal at 77 FR 57200.
78 FR 6855
FR Submission
1/10/2013
Published 1//31/2013
Final rule
Effective 1/10/2014
Requires lenders to provide a list of homeownership counseling organizations to consumers within three business days after they apply for a mortgage loan, with the exclusion of reverse mortgages and mortgage loans secured by a timeshare. Finalizes proposal at 77 FR 49090.
77 FR 57200
FR submission
8/10/12, published 9/17/12Proposed rule;
finalized 1/17/2013
Proposal to implement DFA RESPA amendments to address loan servicing responsibilities and make other improvements to the regulation. Comments due by 10/9/12.
77 FR 490908/15/12Proposed rule;
finalized 1/10/2013
CFPB’s 7/9/2012 Proposal to implement DFA amendments relating to high-cost mortgages and homeowner counseling requirements. Comments due by 9/7/12.
77 FR 51116
FR submission
7/9/12,
published 8/23/12
Proposed ruleProposed rule to integrate early and loan closing disclosures under RESPA and TILA, and to change calculation of finance charge and APR for consumer mortgage loans, and delay certain DFA-mandated disclosures. Comments due by 9/7/12 (calculation and delayed disclosures) and 11/6/12 (RESPA/TILA integration).
76 FR 7897812/20/2011Interim Final
Eff. 12/30/11
Interim final rule transferring rule from HUD . Comments accepted through 2/21/2012.

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