Regulatory Calendar

Effective Date Implementing Regulation Regulatory Change Outlook Article/Webinar
8/1/15 Regs. X and Z Final rule integrating Real Estate Settlement and Procedures Act (RESPA) and Truth in Lending (TILA) mortgage disclosures External Link
1/18/14 Reg. B Final rule on Dodd-Frank Act appraisal requirements under the Equal Credit Opportunity Act (ECOA) External Link  
1/18/14* Reg. Z Final rule exempting subset of higher-priced mortgage loans (HPMLs) from appraisal requirements PDF External Link
1/18/14** Reg. Z Final rule on Dodd-Frank Act requirements for loan originator compensation, mandatory arbitration, SAFE Act, and single-premium credit insurance External Link  
1/18/14 Reg. Z Final rule on Dodd-Frank Act appraisal requirements for HPMLs External Link  
1/18/14 Regs. X and Z Final rule on Dodd-Frank Act requirements for high-cost mortgages and homeownership counseling External Link  
1/10/14 Reg. Z June 2013 final rule amending January 2013 Dodd-Frank Act rules for ability-to-repay and loan servicing rules PDF External Link
1/10/14 Reg. Z Final rule delaying effective date of Dodd-Frank Act prohibition on single-premium credit insurance to Jan. 10, 2014 PDF External Link
1/10/14 Reg. Z Final rule amending Dodd-Frank Act ability-to-repay/qualified mortgage rule PDF External Link  
1/10/14 Reg. Z Final rule on Dodd-Frank Act ability-to-repay/qualified mortgage rule External Link 12/4/13 Webinar
1/10/14 Reg. Z Federal Housing Finance Agency announcement limiting Fannie Mae/Freddie Mac loan purchases to “qualified mortgages” PDF External Link
1/10/14 Regs. X and Z July 2013 final rule amending certain aspects of Dodd-Frank mortgages rules issued in Jan. 2013 PDF External Link
1/10/14 (1/1/14 for loan servicing rules) Regs. B, X, Z Sept. 2013 final rule amending certain aspects of Dodd-Frank Act mortgage rules PDF External Link
1/1/14 Reg. Z Annual dollar amount adjustments to TILA PDF External Link
1/1/14 Reg. C Annual adjustment to asset-size exemption threshold for Home Mortgage Disclosure Act (HMDA) requirements PDF External Link
1/1/14 Reg. Z Annual adjustment to asset-size exemption threshold for escrows for HPMLs External Link
1/1/14 Regs. X and Z Amendment to RESPA and TILA mortgage rules PDF External Link
11/4/13 Reg. Z Final rule amending ability-to-repay requirements for credit cards PDF External Link  
10/28/13 Reg. E Technical correction to final rule on foreign remittance transfers PDF External Link Q3 2012
10/28/13 Reg. E Revised final rule for foreign remittance transfer rule PDF External Link
3/28/13 Reg. Z Final rule amending Reg. Z prohibiting fees from exceeding 25 percent of credit limit during first year after account opening PDF External Link  
3/26/13 Reg. E Final rule eliminating requirement that fee notice must be posted on/at ATMs PDF External Link  

*For manufactured homes, the effective date for the HPML appraisal requirement is 7/18/15

**The amendment for mandatory arbitration is effective on June 1, 2013. All other provisions of the rule took effect on Jan. 10, 2014.

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  • Last update: January 31, 2014