On August 10th, the Consumer Financial Protection Bureau published for comment two sets of proposed mortgage servicing rules. The first set of rules would amend Regulation Z of the Truth in Lending Act regarding initial rate adjustment notices for adjustable-rate mortgages, periodic statements for residential mortgage loans and prompt crediting of mortgage payments, and response to requests for payoff amounts. Proposed Regulation Z Amendments. The second set of proposed rules would amend Regulation X, which implements the Real Estate Settlement Procedures Act of 1974, and would address seven servicer obligations. Comments on either proposal should be submitted on or before October 9, 2012. Proposed Regulation X Amendments.