Regulatory Calendar

Effective Date	Implementing Regulation	Regulatory Change	Outlook Article/Webinar
3/18/13	24 CFR Part 100	Final rule on disparate impact under the Fair Housing Act
**	Reg. E	Final rule delaying 2/7/13 effective date for foreign remittance transfer rule	Q3 2012
1/18/14	Reg. B	Final rule on Dodd–Frank Act appraisal requirements under ECOA
6/1/13 and 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
1/18/14	Reg. Z	Final rule on Dodd–Frank Act requirements for high-cost mortgages and homeownership counseling
1/18/14	Reg. Z	Final rule on Dodd–Frank Act appraisal requirements for HPMLs
1/10/14	Reg. Z	Final rule on Dodd–Frank Act requirements for ability-to-repay and qualified mortgage standards
1/10/14	Reg. Z	Final rule on Dodd–Frank Act requirements for servicing under RESPA
1/10/14	Reg. X	Final rule on Dodd–Frank Act requirements for servicing under TILA
6/1/13	Reg. Z	Final rule on Dodd–Frank Act requirements for escrows for HPMLs
1/1/13	Reg. Z	Annual adjustment for high-cost loans
1/1/13	Reg. M	Annual adjustment for exemption transaction threshold for leases
1/1/13	Reg. Z	Annual adjustment for consumer credit exemption transaction threshold
1/1/13	Reg. C	Annual adjustment to HMDA asset-size exemption threshold
10/1/12	Reg. II	Final rule on fraud-prevention adjustment for interchange fees standards
*	Regs. X & Z	Final rule to delay effective date for certain new mortgage disclosures
*	Reg. E	Proposed rule to amend foreign remittance transfer final rule
**	Reg. E	Technical correction to final rule on foreign remittance transfers	Q3 2012
**	Reg. E	Second final rule on foreign remittance transfers	Q3 2012
**	Reg. E	Final rule on foreign remittance transfers	Q3 2012
*	SCRA	Interagency guidance on mortgage servicing practices for military homeowners
Rulemaking proposals generally do not have an effective date, except for some of the proposed Dodd-Frank Act implementing regulations because Congress specified the effective date in the legislation. Agency requests for information also do not have effective dates. The CFPB has postponed the original February 7, 2013 effective date because it proposed amendments to the foreign remittance transfer final rule on December 31, 2012. **The amendments for mandatory arbitration and single-premium credit insurance are effective on June 1, 2013. All other provisions of the rule are effective on January 10, 2014.

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Last update: February 19, 2013