On November 16th, the Consumer Financial Protection Bureau announced that it will extend the January 21, 2013 effective date for certain new Truth in Lending Act and Real Estate Settlement Procedures Act disclosures required by the Dodd-Frank Act in order to allow a more seamless integration with other mortgage disclosures that have been proposed by the Bureau. The affected disclosures include those on the cancellation of escrow accounts, on a consumers' liability for debt payment after foreclosure, and on the creditor's policy for accepting partial payment. The Bureau anticipates that the final rules will be published next year. CFPB Press Release.