This is the final “Know Before You Owe” rule as published in the Federal Register on December 31, 2013. It does not take effect until August 1, 2015. This document includes the new text of Regulation Z 1026.37 – .38, the corresponding Commentary, and supplementary information. The rule adds two sections to Regulation Z, but various other parts of the rule are amended.
Regulation Z – Truth in Lending
Subpart E—Special Rules for Certain Home Mortgage Transactions
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).