Regulatory Calendar

Effective Date Implementing Regulation Regulatory Change Outlook Live Webinar
Various Interagency proposal to establish minimum requirements for appraisal management companies External Link  
Reg. E Consumer Financial Protection Bureau (CFPB) proposal to extend until July 21, 2020, temporary provision allowing use of estimates for foreign remittance transfer pricing disclosures PDF External Link  
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 appraisal requirements for HPMLs External Link  
1/10/14 (interim final rule) Regs. X and Z Amendment to RESPA and TILA mortgage rules PDF External Link  
1/10/14 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 Final rule delaying effective date of Dodd-Frank Act prohibition on single-premium credit insurance PDF External Link  
1/10/14 Reg. Z Final rule on Dodd-Frank Act ability-to-repay/qualified mortgage rule
CFPB later amended the rule to clarify inclusion of loan originator compensation in points and fees test.
CFPB also amended rule in June 2013 concerning ATR and loan servicing rules. External Link
12/4/13
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, except 1/1/14 and 1/18/14 for certain provisions Regs. B, X, and 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. Z Final rule on Dodd-Frank Act requirements for loan originator compensation, mandatory arbitration, Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), and single-premium credit insurance PDF External Link  
1/1/14 Reg. C Annual adjustment to asset-size exemption threshold for Home Mortgage Disclosure Act requirements PDF External Link  
1/1/14 Reg. Z Annual adjustment to asset-size exemption threshold for escrows for HPMLs External Link  

†Rulemaking proposals generally do not have an effective date.

*For manufactured homes, the effective date for the HPML appraisal requirement is July 18, 2015

**The amendment for mandatory arbitration was effective on June 1, 2013; amendments for SAFE Act and single-premium credit insurance took effect January 10, 2014.

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  • Last update: July 7, 2014