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.
2014-12-30; vol. 79 # 249 - Tuesday, December 30, 2014 79 FR 78296 - Appraisals for Higher-Priced Mortgage Loans Exemption Threshold Adjustment—Final Rule
GPO FDSys XML | Text Additional Documents BUREAU OF CONSUMER FINANCIAL PROTECTION, BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM, DEPARTMENT OF THE TREASURY, Office of the Comptroller of the Currency Final rule; official staff interpretations; technical amendment. This final rule is effective January 1, 2015. 12 CFR Part 34 Summary The OCC, the Board and the Bureau are publishing final rules amending the official staff interpretations for their regulations that implement section 129H of the Truth in Lending Act (TILA). Section 129H of TILA establishes special appraisal requirements for “higher-risk mortgages,” termed “higher-priced mortgages” or “HPMLs” in the agencies' regulations. The OCC, the Board, the Bureau, the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Administration (NCUA) and the Federal Housing Finance Agency (FHFA) (collectively, the Agencies) issued joint final rules implementing these requirements, effective January 18, 2014. The Agencies' rules exempted, among other loan types, transactions of $25,000 or less, and required that this loan amount be adjusted annually based on any annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). Based on the annual percentage increase in the CPI-W as of June 1, 2014, the OCC, the Board and the Bureau are adjusting the exemption threshold to $25,500, effective January 1, 2015.
2014-09-22; vol. 79 # 183 - Monday, September 22, 2014 79 FR 56483 - Truth in Lending (Regulation Z)
GPO FDSys XML | Text Additional Documents FEDERAL RESERVE SYSTEM, BUREAU OF CONSUMER FINANCIAL PROTECTION Final rule; official interpretations and commentary. This final rule is effective January 1, 2015. 12 CFR Part 226 Summary The Board and the Bureau are publishing final rules amending the official interpretations and commentary for the agencies' regulations that implement the Truth in Lending Act (TILA). The Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) amended TILA by requiring that the dollar threshold for exempt consumer credit transactions be adjusted annually by any annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). Based on the annual percentage increase in the CPI-W as of June 1, 2014, the Board and the Bureau are adjusting the exemption threshold to $54,600, effective January 1, 2015. Because the Dodd-Frank Act also requires similar adjustments in the Consumer Leasing Act's threshold for exempt consumer leases, the Board and the Bureau are making similar amendments to each of their respective regulations implementing the Consumer Leasing Act in a joint rulemaking published elsewhere in this issue of the Federal Register .
2014-07-25; vol. 79 # 143 - Friday, July 25, 2014 79 FR 43232 - Truth in Lending (Regulation Z)
GPO FDSys XML | Text Additional Documents FEDERAL RESERVE SYSTEM 12 CFR Part 226 Summary
This is a list of United States Code sections, Statutes at Large, Public Laws, and Presidential Documents, which provide rulemaking authority for this CFR Part.
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United States Code U.S. Code: Title 12 - BANKS AND BANKING U.S. Code: Title 15 - COMMERCE AND TRADE Statutes at Large
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 226 after this date.
2014-12-30; vol. 79 # 249 - Tuesday, December 30, 2014 79 FR 78296 - Appraisals for Higher-Priced Mortgage Loans Exemption Threshold Adjustment—Final Rule
GPO FDSys XML | Text Additional Documents BUREAU OF CONSUMER FINANCIAL PROTECTION, BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM, DEPARTMENT OF THE TREASURY, Office of the Comptroller of the Currency Final rule; official staff interpretations; technical amendment. This final rule is effective January 1, 2015. 12 CFR Part 34 Summary The OCC, the Board and the Bureau are publishing final rules amending the official staff interpretations for their regulations that implement section 129H of the Truth in Lending Act (TILA). Section 129H of TILA establishes special appraisal requirements for “higher-risk mortgages,” termed “higher-priced mortgages” or “HPMLs” in the agencies' regulations. The OCC, the Board, the Bureau, the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Administration (NCUA) and the Federal Housing Finance Agency (FHFA) (collectively, the Agencies) issued joint final rules implementing these requirements, effective January 18, 2014. The Agencies' rules exempted, among other loan types, transactions of $25,000 or less, and required that this loan amount be adjusted annually based on any annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). Based on the annual percentage increase in the CPI-W as of June 1, 2014, the OCC, the Board and the Bureau are adjusting the exemption threshold to $25,500, effective January 1, 2015.
2014-09-22; vol. 79 # 183 - Monday, September 22, 2014 79 FR 56483 - Truth in Lending (Regulation Z)
GPO FDSys XML | Text Additional Documents FEDERAL RESERVE SYSTEM, BUREAU OF CONSUMER FINANCIAL PROTECTION Final rule; official interpretations and commentary. This final rule is effective January 1, 2015. 12 CFR Part 226 Summary The Board and the Bureau are publishing final rules amending the official interpretations and commentary for the agencies' regulations that implement the Truth in Lending Act (TILA). The Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) amended TILA by requiring that the dollar threshold for exempt consumer credit transactions be adjusted annually by any annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). Based on the annual percentage increase in the CPI-W as of June 1, 2014, the Board and the Bureau are adjusting the exemption threshold to $54,600, effective January 1, 2015. Because the Dodd-Frank Act also requires similar adjustments in the Consumer Leasing Act's threshold for exempt consumer leases, the Board and the Bureau are making similar amendments to each of their respective regulations implementing the Consumer Leasing Act in a joint rulemaking published elsewhere in this issue of the Federal Register .
2014-07-25; vol. 79 # 143 - Friday, July 25, 2014 79 FR 43232 - Truth in Lending (Regulation Z)
GPO FDSys XML | Text Additional Documents FEDERAL RESERVE SYSTEM 12 CFR Part 226 Summary
