{"abstract":"This rule proposes clarifying and technical amendments to a final rule issued by the Bureau of Consumer Financial Protection (Bureau) on January 10, 2013, which, among other things, lengthens the time for which a mandatory escrow account established for a higher- priced mortgage loan (HPML) must be maintained. The rule also established an exemption from the escrow requirement for certain creditors that operate predominantly in \"rural\" or \"underserved\" areas. The amendments clarify the determination method for the \"rural\" and \"underserved\" designations and keep in place certain existing protections for HPMLs until other similar provisions take effect in January 2014.","action":"Proposed rule with request for public comment.","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2013/04/18/2013-09058.html","cfr_references":[{"chapter":null,"citation_url":null,"part":1026,"title":12}],"citation":"78 FR 23171","comment_url":null,"comments_close_on":"2013-05-03","correction_of":null,"corrections":[],"dates":"Comments must be received on or before May 3, 2013.","disposition_notes":null,"docket_ids":["Docket No. CFPB-2013-0009"],"dockets":[],"document_number":"2013-09058","effective_on":null,"end_page":23178,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2013/04/18/2013-09058.xml","html_url":"https://www.federalregister.gov/documents/2013/04/18/2013-09058/amendments-to-the-2013-escrows-final-rule-under-the-truth-in-lending-act-regulation-z","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2013-09058?publication_date=2013-04-18","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2013-04-18/2013-09058/mods.xml","not_received_for_publication":null,"page_length":8,"page_views":{"count":6216,"last_updated":"2026-09-20 18:15:07 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2013-04-18/pdf/2013-09058.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2013-09058.pdf?1366203151","publication_date":"2013-04-18","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2013/04/18/2013-09058.txt","regulation_id_number_info":{"3170-AA37":{"issue":"201310","html_url":"https://www.federalregister.gov/regulations/3170-AA37/amendments-to-2013-mortgage-rules-regulations-b-x-and-z-","title":"Amendments to 2013 Mortgage Rules (Regulations B, X, and Z)","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201310&RIN=3170-AA37&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"}},"regulation_id_numbers":["3170-AA37"],"regulations_dot_gov_info":{"supporting_documents":[],"regulatory_plan":{"html_url":"https://www.federalregister.gov/regulations/3170-AA37/amendments-to-2013-mortgage-rules-regulations-b-x-and-z-","title":"Amendments to 2013 Mortgage Rules (Regulations B, X, and Z)"},"comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=CFPB-2013-0009","supporting_documents_count":0,"docket_id":"CFPB-2013-0009","regulation_id_number":"3170-AA37","title":"Amendments to the 2013 Escrows Final Rule Under the Truth in Lending Act (Regulation Z)","checked_regulationsdotgov_at":"2013-05-08T08:05:00Z"},"regulations_dot_gov_url":null,"significant":false,"signing_date":null,"start_page":23171,"subtype":null,"title":"Amendments to the 2013 Escrows Final Rule Under the Truth in Lending Act (Regulation Z)","toc_doc":"Amendments to the 2013 Escrows Final Rule under the Truth in Lending Act (Regulation Z)","toc_subject":null,"topics":["Advertising","Consumer protection","Mortgages"],"type":"Proposed Rule","volume":78}