Topic: Mortgage Reform 2013-2014
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CFPB: Ability to Repay and Qualified Mortgage Standards Under the Truth in Lending Act (Reg. Z), (January 30, 2013) (Eff. January 10, 2014)
The CFPB amended Reg. Z, which implements the Truth in Lending Act (TILA). Reg. Z currently prohibits a creditor from making a higher-priced mortgage loan without regard to the consumer’s […]
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CFPB: 2013 RESPA (Reg. X) & TILA (Reg. Z) Mortgage Servicing Final Rules, (February 14, 2013) (Eff. January 10, 2014)
These final rules implement provisions of the Dodd-Frank Act regarding mortgage loan servicing. The Reg. X final rule implements servicers’ obligations to correct errors asserted by mortgage borrowers; to provide […]
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CFPB: TILA-RESPA Integrated Disclosure rule implementation
This CFPB web page provides resources to help you comply with the new TILA-RESPA Integrated Disclosure rule. The page includes links to: A plain-language guide to the new rules in […]
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CFPB: TILA-RESPA Integrated Disclosure Guide to the Loan Estimate and Closing Disclosure forms (September 2014)
This document provides detailed, illustrated instructions on completing the Loan Estimate and Closing Disclosure. This Guide also highlights common situations hat may arise when completing the Loan Estimate and Closing […]
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CFPB: Small Entity Compliance Guide: TILA-RESPA Integrated Disclosure rule, (September 2014)
This is a plain-language guide to the new rules in a FAQ format which makes the content more accessible for industry constituents, especially smaller businesses with limited legal and compliance […]
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CFPB: Mortgage Servicing Rules video transcript (5/14/2013)
CFPB video guidance to the 2013 Mortgage Servicing Rules. Mr. Mitchell Hochberg, senior counsel in the Office of Regulations at the Consumer Financial Protection Bureau, discusses the mortgage servicing final […]
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CFPB: Integrated loan disclosure forms & samples: Other blank forms and samples
You can access downloadable other blank forms and samples. Blank model form for the written list of settlement service providers Sample of written list of providers you can shop for […]
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CFPB: Integrated loan disclosure forms & samples: Loan Estimate
You can access downloadable Loan Estimate forms in both English & Spanish and samples for different loan types. Blank model loan estimate fields annotated to show rule citations Blank model […]
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CFPB: Integrated loan disclosure forms & samples: Closing Disclosure
You can access downloadable Closing Disclosure forms in both English & Spanish and samples for different loan types. Blank closing disclosure with fields annotated to show rule citations Blank closing […]
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CFPB: Executive Summary of the Rule – Final rule on simplified and improved mortgage disclosures, (December, 2013)
Final rule on simplified and improved mortgage disclosures The Consumer Financial Protection Bureau (the Bureau) has issued a rule that will simplify and improve disclosure forms for mortgage transactions. The […]