| FR Citation | Date | Status | Comments |
|---|---|---|---|
| 86 FR 34848 | 6/30/2021 |
Final rule | Amends Reg X to mitigate surge of foreclosures when COVID-19-related moratoriums expire. Effective 8/31/2021. |
| 86 FR 18840 | 4/9/2021 |
Proposed rule (finalized 6/28/2021 - see above) | Would amend Reg X to mitigate surge of foreclosures when COVID-19-related moratoriums expire. Comments due 5/10/2021. |
| 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, corrected at 82 FR 30947 | 8/4/2016 Publ. 10/19/16, corrected 7/5/17 |
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 rule | Final 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 68343 | 11/7/13 Published 11/14/13 | Final rule | Homeownership 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 rule | Interim 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 rule | Second 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 rule | Finalizing 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 9/13/13 | Second 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 9/17/12 | Proposed 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 49090 | 8/15/12 | Proposed 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 rule | Proposed 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 78978 | 12/20/2011 | Interim Final Eff. 12/30/11 | Interim final rule transferring rule from HUD . Comments accepted through 2/21/2012. |