{"abstract":"The Board is publishing for comment an interim rule amending Regulation Z, which implements the Truth in Lending Act (TILA). The interim rule implements certain requirements of the Mortgage Disclosure Improvement Act of 2008, which amended TILA. The amendments and this interim rule require creditors extending consumer credit secured by real property or a dwelling to disclose certain summary information about interest rates and payment changes, in a tabular format, as well as a statement that consumers are not guaranteed to be able to refinance their transactions in the future. The interest rate and payment summary tables replace the payment schedule previously required as part of the TILA disclosure for mortgage transactions. Disclosures for non-mortgage, closed-end consumer credit will continue to include the current payment schedule.","action":"Interim rule; request for public comment.","agencies":[{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2010/09/24/2010-20663.html","cfr_references":[{"chapter":null,"citation_url":null,"part":226,"title":12}],"citation":"75 FR 58470","comment_url":null,"comments_close_on":"2010-11-23","correction_of":null,"corrections":[],"dates":"This interim rule is effective October 25, 2010. Compliance with its requirements is optional, however, until January 30, 2011; its requirements are mandatory for transactions for which an application for credit is received by the creditor on or after that date. Comments on this interim rule must be received on or before November 23, 2010.","disposition_notes":null,"docket_ids":["Docket No. R-1366"],"dockets":[],"document_number":"2010-20663","effective_on":"2010-10-25","end_page":58489,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2010/09/24/2010-20663.xml","html_url":"https://www.federalregister.gov/documents/2010/09/24/2010-20663/regulation-z-truth-in-lending","images":{"ER24SE10.000":{"large":"https://img.federalregister.gov/ER24SE10.000/ER24SE10.000_large.png","medium":"https://img.federalregister.gov/ER24SE10.000/ER24SE10.000_medium.png","original_size":"https://img.federalregister.gov/ER24SE10.000/ER24SE10.000_original_size.png"},"ER24SE10.001":{"large":"https://img.federalregister.gov/ER24SE10.001/ER24SE10.001_large.png","medium":"https://img.federalregister.gov/ER24SE10.001/ER24SE10.001_medium.png","original_size":"https://img.federalregister.gov/ER24SE10.001/ER24SE10.001_original_size.png"},"ER24SE10.002":{"large":"https://img.federalregister.gov/ER24SE10.002/ER24SE10.002_large.png","medium":"https://img.federalregister.gov/ER24SE10.002/ER24SE10.002_medium.png","original_size":"https://img.federalregister.gov/ER24SE10.002/ER24SE10.002_original_size.png"}},"images_metadata":{"ER24SE10.000":{"large":{"identifier":"ER24SE10.000","content_type":"image/png","size":32796,"width":823,"sha":"6c16ac673b514d536b769035d83a073b","url":"https://img.federalregister.gov/ER24SE10.000/ER24SE10.000_large.png","height":312},"medium":{"identifier":"ER24SE10.000","content_type":"image/png","size":12842,"width":510,"sha":"d0b42247da518ac45ed8120cf94f9966","url":"https://img.federalregister.gov/ER24SE10.000/ER24SE10.000_medium.png","height":193},"original_size":{"identifier":"ER24SE10.000","content_type":"image/png","size":158214,"width":3850,"sha":"51f9fdbe58060d1fe99296ff7e3e7cc8","url":"https://img.federalregister.gov/ER24SE10.000/ER24SE10.000_original_size.png","height":1458}},"ER24SE10.001":{"large":{"identifier":"ER24SE10.001","content_type":"image/png","size":97832,"width":823,"sha":"61391e7caec460d82ed9fb69b85582a9","url":"https://img.federalregister.gov/ER24SE10.001/ER24SE10.001_large.png","height":839},"medium":{"identifier":"ER24SE10.001","content_type":"image/png","size":41119,"width":522,"sha":"3faecb49254ffbc3bab66b0fa2dff781","url":"https://img.federalregister.gov/ER24SE10.001/ER24SE10.001_medium.png","height":532},"original_size":{"identifier":"ER24SE10.001","content_type":"image/png","size":497716,"width":3941,"sha":"2f9c70ab5f93cf6b3521433c3b5fc089","url":"https://img.federalregister.gov/ER24SE10.001/ER24SE10.001_original_size.png","height":4019}},"ER24SE10.002":{"large":{"identifier":"ER24SE10.002","content_type":"image/png","size":35545,"width":823,"sha":"42addbe351fe171dc98bb113f679db2c","url":"https://img.federalregister.gov/ER24SE10.002/ER24SE10.002_large.png","height":351},"medium":{"identifier":"ER24SE10.002","content_type":"image/png","size":13315,"width":492,"sha":"c6c77944262b55cc3ca5e68ddd43a8f2","url":"https://img.federalregister.gov/ER24SE10.002/ER24SE10.002_medium.png","height":210},"original_size":{"identifier":"ER24SE10.002","content_type":"image/png","size":181315,"width":3715,"sha":"206ea7e13da9fdbae8e3b5f19362736b","url":"https://img.federalregister.gov/ER24SE10.002/ER24SE10.002_original_size.png","height":1585}}},"json_url":"https://www.federalregister.gov/api/v1/documents/2010-20663?publication_date=2010-09-24","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2010-09-24/2010-20663/mods.xml","not_received_for_publication":null,"page_length":20,"page_views":{"count":32649,"last_updated":"2026-08-25 02:15:03 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2010-09-24/pdf/2010-20663.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":null,"publication_date":"2010-09-24","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2010/09/24/2010-20663.txt","regulation_id_number_info":{},"regulation_id_numbers":[],"regulations_dot_gov_info":{"checked_regulationsdotgov_at":"2010-10-14T14:13:14Z"},"regulations_dot_gov_url":null,"significant":null,"signing_date":null,"start_page":58470,"subtype":null,"title":"Regulation Z; Truth in Lending","toc_doc":"Regulation Z; Truth in Lending","toc_subject":null,"topics":["Advertising","Consumer protection","Mortgages","Reporting and recordkeeping requirements"],"type":"Rule","volume":75}