Title 12 published on 2014-01-01
The following are only the Rules published in the Federal Register after the published date of Title 12.
For a complete list of all Rules, Proposed Rules, and Notices view the Rulemaking tab.
2015-02-19; vol. 80 # 33 - Thursday, February 19, 2015 80 FR 8767 - Amendments to the 2013 Integrated Mortgage Disclosures Rule Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth In Lending Act (Regulation Z) and the 2013 Loan Originator Rule Under the Truth in Lending Act (Regulation Z)
GPO FDSys XML | Text Additional Documents BUREAU OF CONSUMER FINANCIAL PROTECTION Final rule; Official Interpretations. The rule is effective August 1, 2015. The final rule applies to transactions for which the creditor or mortgage broker receives an application on or after August 1, 2015. 12 CFR Parts 1024 and 1026 Summary This final rule modifies the 2013 TILA-RESPA Final Rule. This rule extends the timing requirement for revised disclosures when consumers lock a rate or extend a rate lock after the Loan Estimate is provided and permits certain language related to construction loans for transactions involving new construction on the Loan Estimate. This rule also amends the 2013 Loan Originator Final Rule to provide for placement of the Nationwide Mortgage Licensing System and Registry ID (NMLSR ID) on the integrated disclosures. Additionally, the Bureau is making non-substantive corrections, including citation and cross-reference updates and wording changes for clarification purposes, to various provisions of Regulations X and Z as amended or adopted by the 2013 TILA-RESPA Final Rule.
2014-10-23; vol. 79 # 205 - Thursday, October 23, 2014 79 FR 63295 - Compliance Bulletin and Policy Guidance—Mortgage Servicing Transfers
GPO FDSys XML | Text Additional Documents BUREAU OF CONSUMER FINANCIAL PROTECTION Compliance Bulletin and Policy Guidance. This bulletin is effective October 23, 2014 and applicable beginning August 19, 2014. 12 CFR Part 1024 Summary The Bureau of Consumer Financial Protection (CFPB) is issuing a compliance bulletin and policy guidance entitled “Compliance Bulletin and Policy Guidance—Mortgage Servicing Transfers” in light of potential risks to consumers that may arise in connection with transfers of residential mortgage servicing rights.
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United States Code U.S. Code: Title 12 - BANKS AND BANKING
Title 12 published on 2014-01-01
The following are ALL rules, proposed rules, and notices (chronologically) published in the Federal Register relating to 12 CFR 1024 after this date.
2015-02-19; vol. 80 # 33 - Thursday, February 19, 2015 80 FR 8767 - Amendments to the 2013 Integrated Mortgage Disclosures Rule Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth In Lending Act (Regulation Z) and the 2013 Loan Originator Rule Under the Truth in Lending Act (Regulation Z)
GPO FDSys XML | Text Additional Documents BUREAU OF CONSUMER FINANCIAL PROTECTION Final rule; Official Interpretations. The rule is effective August 1, 2015. The final rule applies to transactions for which the creditor or mortgage broker receives an application on or after August 1, 2015. 12 CFR Parts 1024 and 1026 Summary This final rule modifies the 2013 TILA-RESPA Final Rule. This rule extends the timing requirement for revised disclosures when consumers lock a rate or extend a rate lock after the Loan Estimate is provided and permits certain language related to construction loans for transactions involving new construction on the Loan Estimate. This rule also amends the 2013 Loan Originator Final Rule to provide for placement of the Nationwide Mortgage Licensing System and Registry ID (NMLSR ID) on the integrated disclosures. Additionally, the Bureau is making non-substantive corrections, including citation and cross-reference updates and wording changes for clarification purposes, to various provisions of Regulations X and Z as amended or adopted by the 2013 TILA-RESPA Final Rule.
2014-12-15; vol. 79 # 240 - Monday, December 15, 2014 79 FR 74176 - Amendments to the 2013 Mortgage Rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)
GPO FDSys XML | Text Additional Documents BUREAU OF CONSUMER FINANCIAL PROTECTION Proposed rule with request for comment. Comments must be received on or before March 16, 2015. 12 CFR Parts 1024 and 1026 Summary The Bureau of Consumer Financial Protection (Bureau) is proposing amendments to certain mortgage servicing rules issued in 2013. These proposed amendments focus primarily on 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. The proposed amendments also address proper compliance regarding certain servicing requirements when a consumer is a potential or confirmed successor in interest, is in bankruptcy, or sends a cease communication request under the Fair Debt Collection Practices Act. The proposed rule makes technical corrections to several provisions of Regulations X and Z. The Bureau requests public comment on these changes.
2014-10-29; vol. 79 # 209 - Wednesday, October 29, 2014 79 FR 64336 - Amendments to the 2013 Integrated Mortgage Disclosures Rule Under the Real Estate Settlement Procedures Act (Regulation X) and Truth In Lending Act (Regulation Z) and the 2013 Loan Originator Rule Under the Truth in Lending Act (Regulation Z)
GPO FDSys XML | Text Additional Documents BUREAU OF CONSUMER FINANCIAL PROTECTION Proposed rule with request for public comment. Comments must be received on or before November 10, 2014. 12 CFR Parts 1024 and 1026 Summary The Bureau is proposing two modifications to the Truth in Lending Act and Real Estate Settlement Procedures Act Final Rule (TILA-RESPA Final Rule): An adjustment to the timing requirement for revised disclosures when the consumer locks a rate or extends a rate lock after the initial disclosures are provided; and an amendment to permit language related to new construction loans to be included on the Loan Estimate form. The Bureau also is proposing to amend the 2013 Loan Originator Final Rule to provide for placement of the Nationwide Mortgage Licensing System and Registry ID (NMLSR ID) on the integrated disclosures. Additionally, the Bureau is proposing technical corrections, including citation and cross-reference updates, and wording changes for clarification purposes to various provisions of Regulations X and Z as amended or adopted by the TILA-RESPA Final Rule.
2014-10-23; vol. 79 # 205 - Thursday, October 23, 2014 79 FR 63295 - Compliance Bulletin and Policy Guidance—Mortgage Servicing Transfers
GPO FDSys XML | Text Additional Documents BUREAU OF CONSUMER FINANCIAL PROTECTION Compliance Bulletin and Policy Guidance. This bulletin is effective October 23, 2014 and applicable beginning August 19, 2014. 12 CFR Part 1024 Summary The Bureau of Consumer Financial Protection (CFPB) is issuing a compliance bulletin and policy guidance entitled “Compliance Bulletin and Policy Guidance—Mortgage Servicing Transfers” in light of potential risks to consumers that may arise in connection with transfers of residential mortgage servicing rights.
