{"abstract":"This rule amends some of the final mortgage rules issued by the Bureau of Consumer Financial Protection (Bureau) in January of 2013. These amendments clarify, correct, or amend provisions on the relation to State law of Regulation X's servicing provisions; implementation dates for adjustable-rate mortgage servicing; exclusions from requirements on higher-priced mortgage loans; the small servicer exemption from certain servicing rules; the use of government-sponsored enterprise and Federal agency purchase, guarantee or insurance eligibility for determining qualified mortgage status; and the determination of debt and income for purposes of originating qualified mortgages.","action":"Final rule; official interpretations.","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/2013/07/24/2013-16962.html","cfr_references":[{"chapter":null,"citation_url":null,"part":1024,"title":12},{"chapter":null,"citation_url":null,"part":1026,"title":12}],"citation":"78 FR 44686","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":["https://www.federalregister.gov/api/v1/documents/C1-2013-16962"],"dates":"This rule is effective January 10, 2014, except for the amendment to Sec. 1026.35(e), which is effective July 24, 2013. See part V, Effective Date, in SUPPLEMENTARY INFORMATION.","disposition_notes":null,"docket_ids":["Docket No. CFPB-2013-0010"],"dockets":[],"document_number":"2013-16962","effective_on":"2014-01-10","end_page":44728,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2013/07/24/2013-16962.xml","html_url":"https://www.federalregister.gov/documents/2013/07/24/2013-16962/amendments-to-the-2013-mortgage-rules-under-the-real-estate-settlement-procedures-act-regulation-x","images":{"ER24JY13.002":{"large":"https://img.federalregister.gov/ER24JY13.002/ER24JY13.002_large.png","medium":"https://img.federalregister.gov/ER24JY13.002/ER24JY13.002_medium.png","original_size":"https://img.federalregister.gov/ER24JY13.002/ER24JY13.002_original_size.png"},"ER24JY13.003":{"large":"https://img.federalregister.gov/ER24JY13.003/ER24JY13.003_large.png","medium":"https://img.federalregister.gov/ER24JY13.003/ER24JY13.003_medium.png","original_size":"https://img.federalregister.gov/ER24JY13.003/ER24JY13.003_original_size.png"},"ER24JY13.004":{"large":"https://img.federalregister.gov/ER24JY13.004/ER24JY13.004_large.png","medium":"https://img.federalregister.gov/ER24JY13.004/ER24JY13.004_medium.png","original_size":"https://img.federalregister.gov/ER24JY13.004/ER24JY13.004_original_size.png"},"ER24JY13.000":{"large":"https://img.federalregister.gov/ER24JY13.000/ER24JY13.000_large.png","medium":"https://img.federalregister.gov/ER24JY13.000/ER24JY13.000_medium.png","original_size":"https://img.federalregister.gov/ER24JY13.000/ER24JY13.000_original_size.png"},"ER24JY13.001":{"large":"https://img.federalregister.gov/ER24JY13.001/ER24JY13.001_large.png","medium":"https://img.federalregister.gov/ER24JY13.001/ER24JY13.001_medium.png","original_size":"https://img.federalregister.gov/ER24JY13.001/ER24JY13.001_original_size.png"}},"images_metadata":{"ER24JY13.002":{"large":{"identifier":"ER24JY13.002","content_type":"image/png","size":42655,"width":821,"sha":"59899de88cd4252d5339f187a9981025","url":"https://img.federalregister.gov/ER24JY13.002/ER24JY13.002_large.png","height":274},"medium":{"identifier":"ER24JY13.002","content_type":"image/png","size":14210,"width":507,"sha":"3369821e70efe2abc2308bff31c26ad8","url":"https://img.federalregister.gov/ER24JY13.002/ER24JY13.002_medium.png","height":169},"original_size":{"identifier":"ER24JY13.002","content_type":"image/png","size":290747,"width":3828,"sha":"1f80373226ebf6b4e418a500df0862d2","url":"https://img.federalregister.gov/ER24JY13.002/ER24JY13.002_original_size.png","height":1277}},"ER24JY13.003":{"large":{"identifier":"ER24JY13.003","content_type":"image/png","size":28680,"width":820,"sha":"c7ae71c1a466b48ba3c42452382512c8","url":"https://img.federalregister.gov/ER24JY13.003/ER24JY13.003_large.png","height":245},"medium":{"identifier":"ER24JY13.003","content_type":"image/png","size":13235,"width":509,"sha":"c0398cf4494761d5704319b85686ace1","url":"https://img.federalregister.gov/ER24JY13.003/ER24JY13.003_medium.png","height":152},"original_size":{"identifier":"ER24JY13.003","content_type":"image/png","size":207443,"width":3859,"sha":"5302fe1cfb49c299fc25c5790028b2fa","url":"https://img.federalregister.gov/ER24JY13.003/ER24JY13.003_original_size.png","height":1153}},"ER24JY13.004":{"large":{"identifier":"ER24JY13.004","content_type":"image/png","size":67223,"width":823,"sha":"0ac2522205b2573a62e36d15e2707669","url":"https://img.federalregister.gov/ER24JY13.004/ER24JY13.004_large.png","height":504},"medium":{"identifier":"ER24JY13.004","content_type":"image/png","size":27523,"width":515,"sha":"04242662c783a129a69e436eb953ca60","url":"https://img.federalregister.gov/ER24JY13.004/ER24JY13.004_medium.png","height":315},"original_size":{"identifier":"ER24JY13.004","content_type":"image/png","size":447351,"width":3891,"sha":"d3e0f170c1ae9b9d70822243239c44b1","url":"https://img.federalregister.gov/ER24JY13.004/ER24JY13.004_original_size.png","height":2382}},"ER24JY13.000":{"large":{"identifier":"ER24JY13.000","content_type":"image/png","size":28168,"width":823,"sha":"26f4dfabf072c5be73f59fb3c0a2b7d1","url":"https://img.federalregister.gov/ER24JY13.000/ER24JY13.000_large.png","height":294},"medium":{"identifier":"ER24JY13.000","content_type":"image/png","size":14291,"width":514,"sha":"c425b10f632edcaf5cfe3d032f7176d5","url":"https://img.federalregister.gov/ER24JY13.000/ER24JY13.000_medium.png","height":184},"original_size":{"identifier":"ER24JY13.000","content_type":"image/png","size":173822,"width":3881,"sha":"ef900ff11cc56f1120a4d713bdb36d05","url":"https://img.federalregister.gov/ER24JY13.000/ER24JY13.000_original_size.png","height":1388}},"ER24JY13.001":{"large":{"identifier":"ER24JY13.001","content_type":"image/png","size":126613,"width":823,"sha":"07b73916e9dcb4534056219021384a2d","url":"https://img.federalregister.gov/ER24JY13.001/ER24JY13.001_large.png","height":1109},"medium":{"identifier":"ER24JY13.001","content_type":"image/png","size":55159,"width":500,"sha":"81d041ed495a759095459b9275f70522","url":"https://img.federalregister.gov/ER24JY13.001/ER24JY13.001_medium.png","height":673},"original_size":{"identifier":"ER24JY13.001","content_type":"image/png","size":928179,"width":3779,"sha":"2e63904add96f3f98c8d620f276f46e6","url":"https://img.federalregister.gov/ER24JY13.001/ER24JY13.001_original_size.png","height":5090}}},"json_url":"https://www.federalregister.gov/api/v1/documents/2013-16962?publication_date=2013-07-24","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2013-07-24/2013-16962/mods.xml","not_received_for_publication":null,"page_length":43,"page_views":{"count":66958,"last_updated":"2026-04-23 10:15:05 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2013-07-24/pdf/2013-16962.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2013-16962.pdf?1374583950","publication_date":"2013-07-24","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2013/07/24/2013-16962.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":[],"comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=CFPB_FRDOC_0001","supporting_documents_count":0,"docket_id":"CFPB_FRDOC_0001","regulation_id_number":null,"title":"Recently Posted CFPB Rules and Notices.","checked_regulationsdotgov_at":"2013-08-13T08:06:03Z"},"regulations_dot_gov_url":null,"significant":false,"signing_date":null,"start_page":44686,"subtype":null,"title":"Amendments to the 2013 Mortgage Rules Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)","toc_doc":"Mortgage Rules under the Real Estate Settlement Procedures Act and the Truth in Lending Act","toc_subject":null,"topics":["Advertising","Condominiums","Consumer protection","Credit","Credit unions","Housing","Mortgages","National banks","Reporting and recordkeeping requirements","Savings associations","Truth in lending"],"type":"Rule","volume":78}