On September 6th, the Consumer Financial Protection Bureau (the "CFPB") extended to November 6, 2012, the period in which comments may be submitted on its proposed changes to the definition of finance charge and whether to delay implementation of certain disclosure requirements added to the Truth in Lending Act and the Real Estate Settlement Procedures Act by Title XIV of the Dodd-Frank Act. 77 FR 54843. The CFPB had first published its proposed integrated mortgage disclosure rules on August 23, 2012. See 77 FR 5116.