Consumer Compliance Outlook > Regulatory Calendar
|Effective Date||Implementing Regulation||Regulatory Change||Outlook Live Webinar|
|†||Various||Interagency proposal to establish minimum requirements for appraisal management companies|
|†||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|
|8/1/15||Regs. X and Z||Final rule integrating Real Estate Settlement and Procedures Act (RESPA) and Truth in Lending (TILA) mortgage disclosures|
|1/18/14||Reg. B||Final rule on Dodd-Frank Act appraisal requirements under the Equal Credit Opportunity Act (ECOA)|
|1/18/14*||Reg. Z||Final rule exempting subset of higher-priced mortgage loans (HPMLs) from appraisal requirements|
|1/18/14||Reg. Z||Final rule on Dodd-Frank Act appraisal requirements for HPMLs|
|1/10/14 (interim final rule)||Regs. X and Z||Amendment to RESPA and TILA mortgage rules|
|1/10/14||Regs. X and Z||Final rule on Dodd-Frank Act requirements for high-cost mortgages and homeownership counseling|
|1/10/14||Reg. Z||Final rule delaying effective date of Dodd-Frank Act prohibition on single-premium credit insurance|
|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.
|1/10/14||Reg. Z||Federal Housing Finance Agency announcement limiting Fannie Mae/Freddie Mac loan purchases to Qualified Mortgages|
|1/10/14||Regs. X and Z||July 2013 final rule amending certain aspects of Dodd-Frank mortgages rules issued in Jan. 2013|
|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|
|1/1/14||Reg. Z||Annual dollar amount adjustments to TILA|
|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|
|1/1/14||Reg. C||Annual adjustment to asset-size exemption threshold for Home Mortgage Disclosure Act requirements|
|1/1/14||Reg. Z||Annual adjustment to asset-size exemption threshold for escrows for HPMLs|
†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.
Return to the main page for Consumer Compliance Outlook.