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CFPB ability to repay rules issued

Morrison & Foerster LLP
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USA
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January 28 2013

On January 10, 2013, the Consumer Financial Protection Bureau issued much-anticipated revisions to Regulation Z to implement provisions of the

CFPB releases prototypes for closing mortgage disclosures

Morrison & Foerster LLP
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USA
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December 6 2011

In its latest round to streamline TILA and RESPA disclosures, the CFPB unveiled two different prototypes of the final disclosure form intended to combine the Truth in Lending Disclosure and the HUD-1

CFPB collects more feedback on mortgage disclosures

Morrison & Foerster LLP
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USA
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September 2 2011

In August, the CFPB introduced a proposed two-page document to combine the Truth In Lending Act mortgage disclosure form with the Good Faith Estimate disclosure form from the Real Estate Settlement Procedures Act

Federal Reserve issues proposed ability-to-repay rule

Morrison & Foerster LLP
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USA
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September 2 2011

On April 19, 2011, the FRB issued a proposed rule to implement the ability-to-repay requirements for closed-end residential loans

Reg Z amended (again)

Morrison & Foerster LLP
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USA
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June 2 2011

The Federal Reserve Board on Friday approved a rule amending Regulation Z (Truth in Lending Act) to clarify aspects of prior Board rules implementing the Credit Card Accountability Responsibility and Disclosure Act of 2009 (Credit Card Act

Ability-to-pay rule

Morrison & Foerster LLP
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USA
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June 2 2011

The Federal Reserve Board recently requested public comments on a proposed rule under Regulation Z that would require creditors to determine a consumer's ability to repay a mortgage before making the loan and would establish minimum mortgage underwriting standards

Federal Reserve issues proposed ability-to-repay rule

Morrison & Foerster LLP
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USA
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April 28 2011

On April 19, 2011, the Federal Reserve Board ("Board") issued a proposed rule to implement ability-to-repay requirements for closed-end residential loans

1, 2, 3, go

Morrison & Foerster LLP
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USA
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March 11 2011

The federal bank, thrift, and credit union regulatory agencies, along with the Farm Credit Administration, announced that the Nationwide Mortgage Licensing System and Registry will begin accepting federal registrations

Mortgage disclosure clarifications

Morrison & Foerster LLP
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USA
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March 11 2011

The Board has issued a new interim rule clarifying parts of its original interim rule implementing certain disclosure provisions of the Mortgage Disclosure Improvement Act of 2008